True annual cost of living in Hermitage Flat, NSW 2790
Living in a house in Hermitage Flat costs about $23,086 a year: council rates, water and sewerage, commute and home insurance combined. Hermitage Flat sits more than 100 kilometres from Sydney CBD. Unit costs come in at $23,036, as lower council rates more than offset the $1,800 body corporate levy. Driving is costed as a flat regional allowance of $18,200, about 20,000km of household driving a year, because a daily CBD commute is not realistic from here.
Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated · flood Low · fire High
$2,400
Body corporate
Estimated
$1,800
Total annual running cost
$23,086
($1,924/month)
↑ 24% above Lithgow average
SuburbCost affordability score ●●○○○3.8/10 Poor
Cheaper to run than 43% of Lithgow suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,857/yr
6,467 kWh
Unit
$2,312/yr
4,850 kWh
Estimated from AER residential benchmarks for Hermitage Flat'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 Hermitage Flat
within a 2 km walk
Nearest stop
Lithgow, 978 m away, about a 12 minute walk. It is a train stop.
Nearest hospital
Lithgow Private Hospital, 2,808 m away, about a 35 minute walk.
Supermarkets
3
Cafes
8
Parks
24
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.
Hermitage Flat is more than 100 kilometres from Sydney CBD, so a daily commute is not assumed. Driving is costed as a flat regional allowance of $18,200 a year, about 20,000km of household driving at the ATO rate of 91c/km. Add your own workplace in the free report to cost the real drive.
What are the council rates in Hermitage Flat?
Hermitage Flat falls under Lithgow Council. The average residential rate for 2026-27 is $1,186 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 $1,186 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Hermitage Flat?
Running a unit in Hermitage Flat costs approximately $23,036 per year by car or $7,236 by public transport. This includes council rates of $1,186, water and sewerage $1,300, estimated body corporate levy of $1,800, and contents insurance of $550. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Hermitage Flat close to public transport?
The nearest scheduled service to the centre of Hermitage Flat is Lithgow, a train stop about 978 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 Hermitage Flat?
The closest hospital to the centre of Hermitage Flat is Lithgow Private Hospital, about 2,808 m away, about a 35 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 Hermitage Flat?
Within a 2 km walk of the centre of Hermitage Flat there are 3 supermarkets, 8 cafes and 24 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: Lithgow rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. 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.