Naremburn vs Willoughby: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Naremburn and Willoughby are both Willoughby rates (OLG suburbs, sitting 6 km and 6.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $228 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
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 →Naremburn
Willoughby
Annual cost breakdown
| Category | Naremburn | Willoughby | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,875 | $2,103 | -$228 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $6,614 | $6,842 | -$228 |
| Total (public transport) | $6,659 | $6,659 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Naremburn | Willoughby | 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 — Naremburn vs Willoughby (2026-27)
What the numbers show
Naremburn and Willoughby cost within $228 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,614, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $228 per year. Willoughby is 6.8 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $6,659 and $6,659 a year, so the $228 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Naremburn cumulative | Willoughby cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,614 | $6,842 | $228 |
| Year 3 | $20,443 | $21,148 | $705 |
| Year 5 | $35,115 | $36,325 | $1,210 |
| Year 10 | $75,822 | $78,436 | $2,614 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Naremburn or Willoughby cheaper to live in?
Naremburn is cheaper to run by car at $6,614 per year versus $6,842 for Willoughby, a difference of $228 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Naremburn and Willoughby?
Annual council rates for a house are $1,341 in Naremburn (Willoughby rates (OLG) and $1,341 in Willoughby (Willoughby rates (OLG). Water and sewerage adds $1,548 in Naremburn and $1,548 in Willoughby. 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 Naremburn and Willoughby?
Annual driving commute costs are $1,875 from Naremburn and $2,103 from Willoughby to Sydney CBD (ATO 88c/km). Public transport costs $1,920 from Naremburn and $1,920 from Willoughby.
What is the 10-year cost difference between Naremburn and Willoughby?
At 3% annual cost growth, Naremburn costs a cumulative $75,822 and Willoughby costs $78,436 over 10 years by car. The cumulative difference is $2,614 in favour of Naremburn. Excludes purchase price, mortgage, and personal expenses.
Which of Naremburn and Willoughby 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: Willoughby rates (OLG and Willoughby 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.