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25.5 km from CBD
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True annual cost of living in Girraween, NSW 2145

Living in a house in Girraween costs about $10,551 a year: council rates, water and sewerage, commute and home insurance combined. Girraween sits 25.5 kilometres from Sydney CBD. Unit costs reach $11,231, with the $2,100 body corporate levy accounting for the entire difference between the two. At 25.5km from the CBD, transport mode shifts the annual total by $3,670. The gap widens as commute costs rise.

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

3 key insights

Running costs sit near the Cumberland average, cheaper than 35% of suburbs in the region.
The commute is the biggest expense at $6,070, roughly 58% of the annual total.
Switching from driving to public transport saves $3,670 a year, a significant saving at this distance.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
Lower cost
House annual cost
$10,551
Driving · per year
$879/month
Unit annual cost
$11,231
Incl. body corporate
$936/month
House vs unit difference
+$680
Unit costs more per year

Annual cost breakdown

Council rates
Cumberland rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,083
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 25.5km from CBD · 192 days
$6,070
Home insurance
Estimated · flood Low · fire Low
$1,850
Total annual running cost
$10,551
($879/month)
Near Cumberland average
SuburbCost affordability score ●●●○○ 6.6/10 Good
Cheaper to run than 35% of Cumberland 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 Girraween'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 Girraween

within a 2 km walk
Nearest stop
Pendle Hill, 980 m away, about a 12 minute walk. It is a train stop.
Nearest hospital
Dentist Near Me - Toongabbie, 2,293 m away, about a 29 minute walk.
Supermarkets
3
Cafes
2
Parks
66
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 Girraween

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

Public transport saves Girraween residents $3,670 per year. Annual commute cost by car is $6,070 versus $2,400 by public transport using the Opal network.

What are the council rates in Girraween?

Girraween falls under Cumberland Council. The average residential rate for 2026-27 is $1,083 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 $1,083 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Girraween?

Running a unit in Girraween costs approximately $11,231 per year by car or $7,561 by public transport. This includes council rates of $1,083, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $430. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Girraween close to public transport?

The nearest scheduled service to the centre of Girraween is Pendle Hill, a train stop about 980 m away, about a 12 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 Girraween?

The closest hospital to the centre of Girraween is Dentist Near Me - Toongabbie, about 2,293 m away, about a 29 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 Girraween?

Within a 2 km walk of the centre of Girraween there are 3 supermarkets, 2 cafes and 66 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: Cumberland 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.