Mangerton vs Spring Hill, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Mangerton and Spring Hill are both Wollongong rates (OLG suburbs, sitting 69.9 km and 72.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Mangerton runs $766 a year cheaper than Spring Hill, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,781.
Over 10 years the gap between these two is about $8,800, about $17 a week, and most of it is the AI-estimated insurance line.
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Spring Hill
Annual cost breakdown
| Category | Mangerton | Spring Hill | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,819 | $1,819 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,084 | $3,150 | -$66 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,400 | $2,100 | -$700 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $7,851 | $8,617 | -$766 |
| Total (public transport) | $7,167 | $7,867 | -$700 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Mangerton | Spring Hill | Difference |
|---|---|---|---|
| House | $2,442 | $2,442 | - |
| Unit | $2,001 | $2,001 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Mangerton vs Spring Hill (2026-27)
What the numbers show
Mangerton and Spring Hill differ by $766 a year by car, but $700 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $66, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $700 per year. Spring Hill carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $700 per year, $7,167 from Mangerton versus $7,867 from Spring Hill.
Where the difference actually comes from
- Council rates is identical at $1,819 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Mangerton by $66 a year, $3,084 against $3,150.
- Building insurance favours Mangerton by $700 a year, $1,400 against $2,100.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance and the insurance band.
Flood risk is rated high in Spring Hill against medium in Mangerton, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Mangerton cumulative | Spring Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,851 | $8,617 | $766 |
| Year 3 | $24,267 | $26,634 | $2,367 |
| Year 5 | $41,682 | $45,749 | $4,067 |
| Year 10 | $90,003 | $98,784 | $8,781 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mangerton or Spring Hill cheaper to live in?
Neither is named cheaper. Mangerton runs $7,851 a year by car and Spring Hill $8,617, but most of the $766 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $66. Source: SuburbCost 2026 data.
What are council rates in Mangerton and Spring Hill?
Annual council rates for a house are $1,819 in Mangerton (Wollongong rates (OLG) and $1,819 in Spring Hill (Wollongong rates (OLG). Water and sewerage adds $1,548 in Mangerton and $1,548 in Spring Hill. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Mangerton and Spring Hill?
Annual driving commute costs are $3,084 from Mangerton and $3,150 from Spring Hill to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Mangerton and $2,400 from Spring Hill.
What is the 10-year cost difference between Mangerton and Spring Hill?
At 3% annual cost growth, Mangerton costs a cumulative $90,003 and Spring Hill costs $98,784 over 10 years by car. The cumulative difference is $8,781 in favour of Mangerton. Excludes purchase price, mortgage, and personal expenses.
Which of Mangerton and Spring Hill suits you better?
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Sources: Wollongong rates (OLG and Wollongong rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.