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45.5 km from CBD
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True annual cost of living in Cattai, NSW 2756

Living in a house in Cattai costs about $13,316 a year: council rates, water and sewerage, commute and home insurance combined. Cattai sits 45.5 kilometres from Sydney CBD. Unit costs come in at $12,606, as lower council rates more than offset the $2,100 body corporate levy. At 45.5km, the commute dominates running costs. Drivers pay $4,457 more per year than public transport users.

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

3 key insights

Costs 13% more to run than the The Hills average, cheaper than only 5% of suburbs in the region.
The commute is the biggest expense at $6,857, roughly 51% of the annual total.
Flood and bushfire risk are 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 →
House annual cost
$13,316
Driving · per year
$1,110/month
Lower cost
Unit annual cost
$12,606
Incl. body corporate
$1,051/month
House vs unit difference
−$710
Unit is cheaper per year

Annual cost breakdown

Council rates
The Hills rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,261
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 45.5km from CBD · 192 days
$6,857
Home insurance
Estimated · flood High · fire High
$3,650
Total annual running cost
$13,316
($1,110/month)
↑ 13% above The Hills average
SuburbCost affordability score ●○○○○ 2.3/10 Poor
Cheaper to run than 5% of The Hills suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,720/yr
6,060 kWh
Unit
$2,209/yr
4,545 kWh
Estimated from AER residential benchmarks for Cattai'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 Cattai

within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
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.

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Frequently asked questions about Cattai

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

Public transport saves Cattai residents $4,457 per year. Annual commute cost by car is $6,857 versus $2,400 by public transport using the Opal network.

What are the council rates in Cattai?

Cattai falls under The Hills Council. The average residential rate for 2026-27 is $1,261 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 $1,261 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Cattai?

Running a unit in Cattai costs approximately $12,606 per year by car or $8,149 by public transport. This includes council rates of $1,261, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $840. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Cattai close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Cattai. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.

What shops and parks are in Cattai?

Within a 2 km walk of the centre of Cattai there are 0 supermarkets, 0 cafes and 0 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: The Hills 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.