Turramurra vs Warrawee, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Turramurra and Warrawee are both Ku-ring-gai Council rates (IPART approved SRV, 29% in suburbs, sitting 16.9 km and 17.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $111 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 $1,300, about $2 a week, and most of it is the AI-estimated insurance line.
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Warrawee
Annual cost breakdown
| Category | Turramurra | Warrawee | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $2,189 | $2,189 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $4,658 | $4,797 | -$139 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $1,600 | +$250 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $10,245 | $10,134 | +$111 |
| Total (public transport) | $7,973 | $7,723 | +$250 |
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 | Turramurra | Warrawee | 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, Turramurra vs Warrawee (2026-27)
What the numbers show
Turramurra and Warrawee differ by $111 a year by car, but $250 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 $139, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $7,973 from Turramurra versus $7,723 from Warrawee.
Where the difference actually comes from
- Council rates is identical at $2,189 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Turramurra by $139 a year, $4,658 against $4,797.
- Building insurance favours Warrawee by $250 a year, $1,600 against $1,850.
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.
Fire risk is rated medium in Turramurra against low in Warrawee, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Turramurra cumulative | Warrawee cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,245 | $10,134 | $111 |
| Year 3 | $31,666 | $31,323 | $343 |
| Year 5 | $54,392 | $53,803 | $589 |
| Year 10 | $117,447 | $116,175 | $1,272 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Turramurra or Warrawee cheaper to live in?
Neither is named cheaper. Turramurra runs $10,245 a year by car and Warrawee $10,134, but most of the $111 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $139. Source: SuburbCost 2026 data.
What are council rates in Turramurra and Warrawee?
Annual council rates for a house are $2,189 in Turramurra (Ku-ring-gai Council rates (IPART approved SRV, 29% in) and $2,189 in Warrawee (Ku-ring-gai Council rates (IPART approved SRV, 29% in). Water and sewerage adds $1,548 in Turramurra and $1,548 in Warrawee. 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 Turramurra and Warrawee?
Annual driving commute costs are $4,658 from Turramurra and $4,797 from Warrawee to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Turramurra and $2,386 from Warrawee.
What is the 10-year cost difference between Turramurra and Warrawee?
At 3% annual cost growth, Turramurra costs a cumulative $117,447 and Warrawee costs $116,175 over 10 years by car. The cumulative difference is $1,272 in favour of Warrawee. Excludes purchase price, mortgage, and personal expenses.
Which of Turramurra and Warrawee suits you better?
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Sources: Ku-ring-gai Council rates (IPART approved SRV, 29% in and Ku-ring-gai Council rates (IPART approved SRV, 29% in 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.