True annual cost of living in Haywards Bay, NSW 2530
Living in a house in Haywards Bay costs about $10,032 a year: council rates, water and sewerage, commute and home insurance combined. Haywards Bay sits 84.4 kilometres from Sydney CBD. Unit costs come in at $9,442, as lower council rates more than offset the $1,800 body corporate levy. At 84.4km, the commute dominates running costs. Drivers pay $1,165 more per year than public transport users.
Estimated from AER residential benchmarks for Haywards Bay's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Is it cheaper to drive or take public transport from Haywards Bay to the CBD?
Public transport saves Haywards Bay residents $1,165 per year. Annual commute cost by car is $3,565 versus $2,400 by public transport using the Opal network.
What are the council rates in Haywards Bay?
Haywards Bay falls under Wollongong Council. The average residential rate for 2026-27 is $1,819 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 $1,819 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Haywards Bay?
Running a unit in Haywards Bay costs approximately $9,442 per year by car or $8,277 by public transport. This includes council rates of $1,819, water and sewerage $1,548, estimated body corporate levy of $1,800, and contents insurance of $710. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
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Data sources: Council rates: Wollongong rates (OLG 2024-25 + IPART 2026-27 peg). Water: Sydney Water 2026-27. 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.