Compare suburbs Suburbs Council rates Cost of living calculator Electricity calculator About Blog
Map of Belrose
15.7 km from CBD
Home  ·  Suburbs  ·  Belrose

True annual cost of living in Belrose, NSW 2085

Living in a house in Belrose costs about $10,273 a year: council rates, water and sewerage, commute and home insurance combined. Belrose sits 15.7 kilometres from Sydney CBD. Unit costs reach $10,613, with the $2,300 body corporate levy accounting for the entire difference between the two. At 15.7km from the CBD, transport mode shifts the annual total by $2,023. The gap widens as commute costs rise.

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

3 key insights

Running costs sit near the Northern Beaches average, cheaper than 56% of suburbs in the region.
The commute is the biggest expense at $4,409, roughly 43% of the annual total.
Bushfire 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
$10,273
Driving · per year
$856/month
Unit annual cost
$10,613
Incl. body corporate
$884/month
House vs unit difference
+$340
Unit costs more per year

Annual cost breakdown

Council rates
Northern Beaches rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,766
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 15.7km from CBD · 192 days
$4,409
Home insurance
Estimated · flood Low · fire High
$2,550
Total annual running cost
$10,273
($856/month)
Near Northern Beaches average
SuburbCost affordability score ●●●○○ 5.4/10 Average
Cheaper to run than 56% of Northern Beaches 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 Belrose'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 Belrose

within a 2 km walk
Nearest stop
Gordon, 5,361 m away, about a 67 minute walk. It is a train stop.
Nearest hospital
Northern Beaches Hospital, 3,921 m away, about a 49 minute walk.
Supermarkets
4
Cafes
7
Parks
32
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 Belrose with another suburb

Frequently asked questions about Belrose

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

Public transport saves Belrose residents $2,023 per year. Annual commute cost by car is $4,409 versus $2,386 by public transport using the Opal network.

What are the council rates in Belrose?

Belrose falls under Northern Beaches Council. The average residential rate for 2026-27 is $1,766 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 $1,766 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Belrose?

Running a unit in Belrose costs approximately $10,613 per year by car or $8,590 by public transport. This includes council rates of $1,766, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $590. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Belrose close to public transport?

The nearest scheduled service to the centre of Belrose is Gordon, a train stop about 5,361 m away, about a 67 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 Belrose?

The closest hospital to the centre of Belrose is Northern Beaches Hospital, about 3,921 m away, about a 49 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 Belrose?

Within a 2 km walk of the centre of Belrose there are 4 supermarkets, 7 cafes and 32 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.

Compare up to five suburbs.

Free 5-page PDF report. Enter your suburbs below.

Included:
Annual cost breakdown
10-year cost projection
School scores & catchments
Flood & fire risk ratings
Crime risk ratings
AI suburb recommendations
Up to 5 suburbs, side by side
I'm looking at a
When are you planning to buy or move?
We'll never share your email. Unsubscribe anytime.
Opening your report…
Your report is opening in a new tab. Check your inbox if it doesn't appear within a minute.
Data sources: Council rates: Northern Beaches 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.