True annual cost of living in Hamilton North, NSW 2292
Living in a house in Hamilton North costs about $7,519 a year: council rates, water and sewerage, commute and home insurance combined. Hamilton North sits 4.5 kilometres from Newcastle CBD. Unit costs come in at $7,159, as lower council rates more than offset the $1,800 body corporate levy. Transport mode has the biggest effect on total cost in a suburb this close to the city.
SuburbCost affordability score ●●●○○5.1/10 Average
Cheaper to run than 56% of Newcastle 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 Hamilton North'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 Hamilton North
within a 2 km walk
Nearest stop
Broadmeadow, 967 m away, about a 12 minute walk. It is a train stop.
Nearest hospital
Newcastle Eye Hospital, 1,780 m away, about a 22 minute walk.
Supermarkets
7
Cafes
26
Parks
34
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 Hamilton North to Newcastle CBD?
Driving saves Hamilton North residents $916 per year. Annual commute cost by car is $1,484 versus $2,400 by public transport using the Opal network.
What are the council rates in Hamilton North?
Hamilton North falls under Newcastle Council. The average residential rate for 2026-27 is $1,858 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 $1,858 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Hamilton North?
Running a unit in Hamilton North costs approximately $7,159 per year by car or $8,075 by public transport. This includes council rates of $1,858, water and sewerage $1,377, estimated body corporate levy of $1,800, and contents insurance of $640. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Hamilton North close to public transport?
The nearest scheduled service to the centre of Hamilton North is Broadmeadow, a train stop about 967 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 Hamilton North?
The closest hospital to the centre of Hamilton North is Newcastle Eye Hospital, about 1,780 m away, about a 22 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 Hamilton North?
Within a 2 km walk of the centre of Hamilton North there are 7 supermarkets, 26 cafes and 34 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
Your report is opening in a new tab. Check your inbox if it doesn't appear within a minute.
Data sources: Council rates: Newcastle rates (OLG 2024-25 + IPART 2026-27 peg). Water: Hunter 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.