Milperra vs Voyager Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Milperra (Canterbury-Bankstown rates (OLG) and Voyager Point (Liverpool rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (22.5 km and 24.2 km).
Milperra runs $646 a year cheaper than Voyager Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,406.
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 →Milperra
Voyager Point
Annual cost breakdown
| Category | Milperra | Voyager Point | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,376 | +$1 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,651 | $5,898 | -$247 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,650 | -$400 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $11,826 | $12,472 | -$646 |
| Total (public transport) | $8,575 | $8,974 | -$399 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Milperra | Voyager Point | Difference |
|---|---|---|---|
| House | $2,342 | $2,720 | -$378 |
| Unit | $1,909 | $2,209 | -$300 |
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 — Milperra vs Voyager Point (2026-27)
What the numbers show
Milperra costs $646 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,406 in favour of Milperra.
The biggest single gap is home insurance at $400 per year. Voyager Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $399 per year, $8,575 from Milperra versus $8,974 from Voyager Point.
Where the difference actually comes from
- Council rates favours Voyager Point by $1 a year, $1,376 against $1,377.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Milperra by $247 a year, $5,651 against $5,898.
- Building insurance favours Milperra by $400 a year, $3,250 against $3,650.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Fire risk is rated high in Voyager Point against medium in Milperra, which feeds the insurance estimate. The catchment state school scores 8.5 in Voyager Point against 6.7 in Milperra, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Milperra cumulative | Voyager Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,826 | $12,472 | $646 |
| Year 3 | $36,553 | $38,550 | $1,997 |
| Year 5 | $62,786 | $66,216 | $3,430 |
| Year 10 | $135,572 | $142,978 | $7,406 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Milperra or Voyager Point cheaper to live in?
Milperra is cheaper to run by car at $11,826 per year versus $12,472 for Voyager Point, a difference of $646 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Milperra and Voyager Point?
Annual council rates for a house are $1,377 in Milperra (Canterbury-Bankstown rates (OLG) and $1,376 in Voyager Point (Liverpool rates (OLG). Water and sewerage adds $1,548 in Milperra and $1,548 in Voyager Point. 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 Milperra and Voyager Point?
Annual driving commute costs are $5,651 from Milperra and $5,898 from Voyager Point to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Milperra and $2,400 from Voyager Point.
What is the 10-year cost difference between Milperra and Voyager Point?
At 3% annual cost growth, Milperra costs a cumulative $135,572 and Voyager Point costs $142,978 over 10 years by car. The cumulative difference is $7,406 in favour of Milperra. Excludes purchase price, mortgage, and personal expenses.
Which of Milperra and Voyager Point 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: Canterbury-Bankstown rates (OLG and Liverpool rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.