Seahampton vs Stockrington, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Seahampton (Lake Macquarie rates (OLG) and Stockrington (Cessnock rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Newcastle CBD (19.7 km and 20.6 km).
The two sit within $151 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 the gap between these two is about $1,700, about $3 a week, and most of it is the AI-estimated insurance line.
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Stockrington
Annual cost breakdown
| Category | Seahampton | Stockrington | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,763 | $1,458 | +$305 |
| Water & sewerage Official, 2026-27 | $1,377 | $1,377 | - |
| Commute (driving) Modelled, 2026-27 | $5,189 | $5,345 | -$156 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,550 | $1,850 | -$300 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $9,879 | $10,030 | -$151 |
| Total (public transport) | $7,090 | $7,085 | +$5 |
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 | Seahampton | Stockrington | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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, Seahampton vs Stockrington (2026-27)
What the numbers show
Seahampton and Stockrington differ by $151 a year by car, but $300 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 $149, so neither suburb is named cheaper here.
The biggest single gap is council rates at $305 per year.
On public transport the two suburbs cost almost the same, $7,090 and $7,085 a year, so the $151 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Stockrington by $305 a year, $1,458 against $1,763.
- Water and sewerage is identical at $1,377 a year.
- Driving commute favours Seahampton by $156 a year, $5,189 against $5,345.
- Building insurance favours Seahampton by $300 a year, $1,550 against $1,850.
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.
The catchment state school scores 6.5 in Stockrington against 4.8 in Seahampton, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Seahampton cumulative | Stockrington cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,879 | $10,030 | $151 |
| Year 3 | $30,535 | $31,002 | $467 |
| Year 5 | $52,449 | $53,251 | $802 |
| Year 10 | $113,252 | $114,983 | $1,731 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Seahampton or Stockrington cheaper to live in?
Neither is named cheaper. Seahampton runs $9,879 a year by car and Stockrington $10,030, but most of the $151 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $149. Source: SuburbCost 2026 data.
What are council rates in Seahampton and Stockrington?
Annual council rates for a house are $1,763 in Seahampton (Lake Macquarie rates (OLG) and $1,458 in Stockrington (Cessnock rates (OLG). Water and sewerage adds $1,377 in Seahampton and $1,377 in Stockrington. 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 Seahampton and Stockrington?
Annual driving commute costs are $5,189 from Seahampton and $5,345 from Stockrington to Newcastle CBD (ATO 91c/km). Public transport costs $2,400 from Seahampton and $2,400 from Stockrington.
What is the 10-year cost difference between Seahampton and Stockrington?
At 3% annual cost growth, Seahampton costs a cumulative $113,252 and Stockrington costs $114,983 over 10 years by car. The cumulative difference is $1,731 in favour of Seahampton. Excludes purchase price, mortgage, and personal expenses.
Which of Seahampton and Stockrington suits you better?
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Sources: Lake Macquarie rates (OLG and Cessnock 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.