Marmong Point vs Woodrising: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Marmong Point and Woodrising are both Lake Macquarie rates (OLG suburbs, sitting 105.8 km and 105.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Woodrising runs $400 a year cheaper than Marmong Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Marmong Point
Woodrising
Annual cost breakdown
| Category | Marmong Point | Woodrising | Difference |
|---|---|---|---|
| Council rates | $1,763 | $1,763 | - |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $3,100 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $24,240 | $23,840 | +$400 |
| Total (public transport) | $9,040 | $8,640 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Marmong Point | Woodrising | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Marmong Point vs Woodrising (2026-27)
What the numbers show
Woodrising costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Woodrising.
The biggest single gap is home insurance at $400 per year. Marmong Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $9,040 from Marmong Point versus $8,640 from Woodrising.
10-year cumulative cost projection
| Year | Marmong Point cumulative | Woodrising cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,240 | $23,840 | $400 |
| Year 3 | $74,923 | $73,687 | $1,236 |
| Year 5 | $128,693 | $126,570 | $2,123 |
| Year 10 | $277,884 | $273,299 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Marmong Point or Woodrising cheaper to live in?
Woodrising is cheaper to run by car at $23,840 per year versus $24,240 for Marmong Point, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Marmong Point and Woodrising?
Annual council rates for a house are $1,763 in Marmong Point (Lake Macquarie rates (OLG) and $1,763 in Woodrising (Lake Macquarie rates (OLG). Water and sewerage adds $1,377 in Marmong Point and $1,377 in Woodrising. 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 Marmong Point and Woodrising?
Annual driving commute costs are $17,600 from Marmong Point and $17,600 from Woodrising to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Marmong Point and $2,400 from Woodrising.
What is the 10-year cost difference between Marmong Point and Woodrising?
At 3% annual cost growth, Marmong Point costs a cumulative $277,884 and Woodrising costs $273,299 over 10 years by car. The cumulative difference is $4,585 in favour of Woodrising. Excludes purchase price, mortgage, and personal expenses.
Which of Marmong Point and Woodrising is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Lake Macquarie rates (OLG and Lake Macquarie rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.