Mount Saint Thomas 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
Mount Saint Thomas and Spring Hill are both Wollongong rates (OLG suburbs, sitting 70.7 km and 72.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Mount Saint Thomas runs $412 a year cheaper than Spring Hill, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,723.
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 →Mount Saint Thomas
Spring Hill
Annual cost breakdown
| Category | Mount Saint Thomas | Spring Hill | Difference |
|---|---|---|---|
| Council rates | $1,819 | $1,819 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,088 | $3,150 | -$62 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,800 | -$350 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $8,905 | $9,317 | -$412 |
| Total (public transport) | $8,217 | $8,567 | -$350 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Mount Saint Thomas | 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 — Mount Saint Thomas vs Spring Hill (2026-27)
What the numbers show
Mount Saint Thomas costs $412 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,723 in favour of Mount Saint Thomas.
The biggest single gap is home insurance at $350 per year. Spring Hill carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $350 per year, $8,217 from Mount Saint Thomas versus $8,567 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 Mount Saint Thomas by $62 a year, $3,088 against $3,150.
- Building insurance favours Mount Saint Thomas by $350 a year, $2,450 against $2,800.
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 Mount Saint Thomas, which feeds the insurance estimate. Fire risk is rated medium in Mount Saint Thomas against low in Spring Hill, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Mount Saint Thomas cumulative | Spring Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,905 | $9,317 | $412 |
| Year 3 | $27,524 | $28,798 | $1,274 |
| Year 5 | $47,278 | $49,465 | $2,187 |
| Year 10 | $102,086 | $106,809 | $4,723 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mount Saint Thomas or Spring Hill cheaper to live in?
Mount Saint Thomas is cheaper to run by car at $8,905 per year versus $9,317 for Spring Hill, a difference of $412 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mount Saint Thomas and Spring Hill?
Annual council rates for a house are $1,819 in Mount Saint Thomas (Wollongong rates (OLG) and $1,819 in Spring Hill (Wollongong rates (OLG). Water and sewerage adds $1,548 in Mount Saint Thomas 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 Mount Saint Thomas and Spring Hill?
Annual driving commute costs are $3,088 from Mount Saint Thomas and $3,150 from Spring Hill to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Mount Saint Thomas and $2,400 from Spring Hill.
What is the 10-year cost difference between Mount Saint Thomas and Spring Hill?
At 3% annual cost growth, Mount Saint Thomas costs a cumulative $102,086 and Spring Hill costs $106,809 over 10 years by car. The cumulative difference is $4,723 in favour of Mount Saint Thomas. Excludes purchase price, mortgage, and personal expenses.
Which of Mount Saint Thomas and Spring Hill 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: 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 AI insurance estimates. Data updated July 2026.