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Map of Arncliffe
9.9 km from CBD
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True annual cost of living in Arncliffe, NSW 2205

Living in a house in Arncliffe costs about $8,794 a year: council rates, water and sewerage, commute and home insurance combined. Arncliffe sits 9.9 kilometres from Sydney CBD. Unit costs reach $9,124, with the $2,600 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $1,111 per year at this distance.

Last updated July 2026 · Bayside Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Bayside average, cheaper than 48% of suburbs in the region.
The commute is the biggest expense at $3,031, roughly 34% of the annual total.
Flood risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
Lower cost
House annual cost
$8,794
Driving · per year
$733/month
Unit annual cost
$9,124
Incl. body corporate
$760/month
House vs unit difference
+$330
Unit costs more per year

Annual cost breakdown

Council rates
Bayside rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,265
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 9.9km from CBD · 192 days
$3,031
Home insurance
Estimated · flood High · fire Low
$2,950
Total annual running cost
$8,794
($733/month)
Near Bayside average
SuburbCost affordability score ●●○○○ 4.6/10 Poor
Cheaper to run than 48% of Bayside suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Arncliffe's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.

Getting around Arncliffe

within a 2 km walk
Nearest stop
Arncliffe, 427 m away, about a 5 minute walk. It is a train stop.
Nearest hospital
St George Private Hospital, 3,161 m away, about a 40 minute walk.
Supermarkets
8
Cafes
32
Parks
62
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.

Compare Arncliffe with another suburb

Frequently asked questions about Arncliffe

Is it cheaper to drive or take public transport from Arncliffe to the CBD?

Public transport saves Arncliffe residents $1,111 per year. Annual commute cost by car is $3,031 versus $1,920 by public transport using the Opal network.

What are the council rates in Arncliffe?

Arncliffe falls under Bayside Council. The average residential rate for 2026-27 is $1,265 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,265 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Arncliffe?

Running a unit in Arncliffe costs approximately $9,124 per year by car or $8,013 by public transport. This includes council rates of $1,265, water and sewerage $1,548, estimated body corporate levy of $2,600, and contents insurance of $680. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Arncliffe close to public transport?

The nearest scheduled service to the centre of Arncliffe is Arncliffe, a train stop about 427 m away, about a 5 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.

What is the closest hospital to Arncliffe?

The closest hospital to the centre of Arncliffe is St George Private Hospital, about 3,161 m away, about a 40 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.

What shops and parks are in Arncliffe?

Within a 2 km walk of the centre of Arncliffe there are 8 supermarkets, 32 cafes and 62 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.

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Data sources: Council rates: Bayside rates (OLG 2024-25 + IPART 2026-27 peg). Water: Sydney Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data updated 2026-07.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.