Sefton vs Yagoona: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Sefton and Yagoona are both Canterbury-Bankstown rates (OLG suburbs, sitting 18.4 km and 17.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Yagoona runs $543 a year cheaper than Sefton, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,225.
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 →Sefton
Yagoona
Annual cost breakdown
| Category | Sefton | Yagoona | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,377 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,788 | $4,695 | +$93 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $1,850 | +$450 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,013 | $9,470 | +$543 |
| Total (public transport) | $7,611 | $7,161 | +$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Sefton | Yagoona | 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 — Sefton vs Yagoona (2026-27)
What the numbers show
Yagoona costs $543 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,225 in favour of Yagoona.
The biggest single gap is home insurance at $450 per year. Sefton carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,611 from Sefton versus $7,161 from Yagoona.
10-year cumulative cost projection
| Year | Sefton cumulative | Yagoona cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,013 | $9,470 | $543 |
| Year 3 | $30,949 | $29,271 | $1,678 |
| Year 5 | $53,160 | $50,278 | $2,882 |
| Year 10 | $114,788 | $108,563 | $6,225 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Sefton or Yagoona cheaper to live in?
Yagoona is cheaper to run by car at $9,470 per year versus $10,013 for Sefton, a difference of $543 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Sefton and Yagoona?
Annual council rates for a house are $1,377 in Sefton (Canterbury-Bankstown rates (OLG) and $1,377 in Yagoona (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Sefton and $1,548 in Yagoona. 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 Sefton and Yagoona?
Annual driving commute costs are $4,788 from Sefton and $4,695 from Yagoona to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Sefton and $2,386 from Yagoona.
What is the 10-year cost difference between Sefton and Yagoona?
At 3% annual cost growth, Sefton costs a cumulative $114,788 and Yagoona costs $108,563 over 10 years by car. The cumulative difference is $6,225 in favour of Yagoona. Excludes purchase price, mortgage, and personal expenses.
Which of Sefton and Yagoona 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 Canterbury-Bankstown 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.