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

True annual cost of living in Frogmore, NSW 2586

Living in a house in Frogmore costs about $21,786 a year: council rates, water and sewerage, commute and home insurance combined. Frogmore sits 221.2 kilometres from Sydney CBD. Unit costs come in at $21,626, as lower council rates more than offset the $1,500 body corporate levy. At 221.2km, the commute dominates running costs. Drivers pay $15,200 more per year than public transport users.

Last updated July 2026 · Hilltops Council rates 2026-27, ATO 88c/km, AER electricity benchmarks

3 key insights
Running costs sit near the Hilltops average, cheaper than 37% of suburbs in the region.
The commute is the biggest expense at $17,600, roughly 81% of the annual total.
Switching from driving to public transport saves $15,200 a year, a significant saving at this distance.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$21,786
Driving · per year
$1,816/month
Lower cost
Unit annual cost
$21,626
Incl. body corporate
$1,802/month
House vs unit difference
−$160
Unit is cheaper per year
Annual cost breakdown
Council rates
Hilltops rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$736
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
ATO 88c/km · 221.2km from CBD · 192 days
$17,600
Home insurance
Estimated · flood Medium · fire Low
$2,150
Total annual running cost
$21,786
($1,816/month)
Near Hilltops average
SuburbCost affordability score ●●○○○ 4.5/10 Poor
Cheaper to run than 37% of Hilltops suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$2,453/yr
6,160 kWh
Unit
$1,944/yr
4,620 kWh
Estimated from AER residential benchmarks for Frogmore's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Frogmore with another suburb
Is it cheaper to drive or take public transport from Frogmore to the CBD?
Public transport saves Frogmore residents $15,200 per year. Annual commute cost by car is $17,600 versus $2,400 by public transport using the Opal network.
What are the council rates in Frogmore?
Frogmore falls under Hilltops Council. The average residential rate for 2026-27 is $736 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 $736 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Frogmore?
Running a unit in Frogmore costs approximately $21,626 per year by car or $6,426 by public transport. This includes council rates of $736, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $490. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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: Hilltops rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2025–26 (88c/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.