Living in a house in Fernances costs about $9,194 a year: council rates, water and sewerage, commute and home insurance combined. Fernances sits 77.8 kilometres from Sydney CBD. Unit costs come in at $9,144, as lower council rates more than offset the $1,800 body corporate levy. At 77.8km, the commute dominates running costs. Drivers pay $998 more per year than public transport users.
Hawkesbury City Council rates (IPART approved SRV, 8.66% in 2026-27) · average rate
$1,848
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 77.8km from CBD · 192 days
$3,398
Home insurance
Estimated · flood Low · fire High
$2,400
Body corporate
Estimated
$1,800
Total annual running cost
$9,194
($766/month)
↓ 20% below Hawkesbury City Council average
SuburbCost affordability score ●●●●○7.0/10 Good
Cheaper to run than 96% of Hawkesbury City Council 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 Fernances'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 Fernances
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.
Is it cheaper to drive or take public transport from Fernances to the CBD?
Public transport saves Fernances residents $998 per year. Annual commute cost by car is $3,398 versus $2,400 by public transport using the Opal network.
What are the council rates in Fernances?
Fernances falls under Hawkesbury City Council. The average residential rate for 2026-27 is $1,848 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 $1,848 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Fernances?
Running a unit in Fernances costs approximately $9,144 per year by car or $8,146 by public transport. This includes council rates of $1,848, water and sewerage $1,548, estimated body corporate levy of $1,800, and contents insurance of $550. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Fernances close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Fernances. 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 Fernances?
Within a 2 km walk of the centre of Fernances 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: Hawkesbury City Council rates (IPART approved SRV, 8.66% in 2026-27). 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.