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

True annual cost of living in Earlwood, NSW 2206

Living in a house in Earlwood costs about $8,880 a year: council rates, water and sewerage, commute and home insurance combined. Earlwood sits 9.8 kilometres from Sydney CBD. Unit costs reach $9,210, with the $2,600 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $1,085 per year at this distance.

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

3 key insights

Cheaper to run than 86% of Canterbury-Bankstown suburbs, about 11% below the regional average.
The commute is the biggest expense at $3,005, 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
$8,880
Driving · per year
$740/month
Unit annual cost
$9,210
Incl. body corporate
$768/month
House vs unit difference
+$330
Unit costs more per year

Annual cost breakdown

Council rates
Canterbury-Bankstown rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,377
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 9.8km from CBD · 192 days
$3,005
Home insurance
Estimated · flood High · fire Low
$2,950
Total annual running cost
$8,880
($740/month)
↓ 11% below Canterbury-Bankstown average
SuburbCost affordability score ●●●●○ 7.0/10 Good
Cheaper to run than 86% of Canterbury-Bankstown 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 Earlwood'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 Earlwood

within a 2 km walk
Nearest stop
Bardwell Park, 742 m away, about a 9 minute walk. It is a train stop.
Nearest hospital
Canterbury Hospital, 2,773 m away, about a 35 minute walk.
Supermarkets
5
Cafes
15
Parks
57
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 Earlwood with another suburb

Frequently asked questions about Earlwood

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

Public transport saves Earlwood residents $1,085 per year. Annual commute cost by car is $3,005 versus $1,920 by public transport using the Opal network.

What are the council rates in Earlwood?

Earlwood falls under Canterbury-Bankstown Council. The average residential rate for 2026-27 is $1,377 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 $1,377 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Earlwood?

Running a unit in Earlwood costs approximately $9,210 per year by car or $8,125 by public transport. This includes council rates of $1,377, 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 Earlwood close to public transport?

The nearest scheduled service to the centre of Earlwood is Bardwell Park, a train stop about 742 m away, about a 9 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 Earlwood?

The closest hospital to the centre of Earlwood is Canterbury Hospital, about 2,773 m away, about a 35 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 Earlwood?

Within a 2 km walk of the centre of Earlwood there are 5 supermarkets, 15 cafes and 57 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: Canterbury-Bankstown 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.