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22.3 km from CBD
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True annual cost of living in Gymea, NSW 2227

Living in a house in Gymea costs about $10,635 a year: council rates, water and sewerage, commute and home insurance combined. Gymea sits 22.3 kilometres from Sydney CBD. Unit costs reach $11,515, with the $2,300 body corporate levy accounting for the entire difference between the two. At 22.3km from the CBD, transport mode shifts the annual total by $3,220. The gap widens as commute costs rise.

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

3 key insights

Cheaper to run than 100% of Sutherland suburbs, about 10% below the regional average.
The commute is the biggest expense at $5,620, roughly 53% of the annual total.
Switching from driving to public transport saves $3,220 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
$10,635
Driving · per year
$886/month
Unit annual cost
$11,515
Incl. body corporate
$960/month
House vs unit difference
+$880
Unit costs more per year

Annual cost breakdown

Council rates
Sutherland rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,617
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 22.3km from CBD · 192 days
$5,620
Home insurance
Estimated · flood Low · fire Low
$1,850
Total annual running cost
$10,635
($886/month)
↓ 10% below Sutherland average
SuburbCost affordability score ●●●●● 9.7/10 Excellent
Cheaper to run than 100% of Sutherland 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 Gymea'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 Gymea

within a 2 km walk
Nearest stop
Gymea, 611 m away, about an 8 minute walk. It is a train stop.
Nearest hospital
President Private Hospital, 448 m away, about a 6 minute walk.
Supermarkets
9
Cafes
15
Parks
40
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 Gymea with another suburb

Frequently asked questions about Gymea

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

Public transport saves Gymea residents $3,220 per year. Annual commute cost by car is $5,620 versus $2,400 by public transport using the Opal network.

What are the council rates in Gymea?

Gymea falls under Sutherland Council. The average residential rate for 2026-27 is $1,617 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 $1,617 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Gymea?

Running a unit in Gymea costs approximately $11,515 per year by car or $8,295 by public transport. This includes council rates of $1,617, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $430. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Gymea close to public transport?

The nearest scheduled service to the centre of Gymea is Gymea, a train stop about 611 m away, about an 8 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 Gymea?

The closest hospital to the centre of Gymea is President Private Hospital, about 448 m away, about a 6 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 Gymea?

Within a 2 km walk of the centre of Gymea there are 9 supermarkets, 15 cafes and 40 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: Sutherland 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.