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10.6 km from CBD
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True annual cost of living in Lindfield, NSW 2070

Living in a house in Lindfield costs about $8,994 a year: council rates, water and sewerage, commute and home insurance combined. Lindfield sits 10.6 kilometres from Sydney CBD. Unit costs reach $9,934, with the $2,600 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $721 per year at this distance.

Last updated July 2026 · Ku-ring-gai Council rates 2026-27, ATO 88c/km, AER electricity benchmarks

3 key insights
Cheaper to run than 94% of Ku-ring-gai Council suburbs, about 10% below the regional average.
The commute is the biggest expense at $3,107, roughly 35% of the annual total.
Switching from driving to public transport saves $721 a year.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
Lower cost
House annual cost
$8,994
Driving · per year
$750/month
Unit annual cost
$9,934
Incl. body corporate
$828/month
House vs unit difference
+$940
Unit costs more per year
Annual cost breakdown
Council rates
Ku-ring-gai Council rates (IPART approved SRV, 29% in 2026-27) · average rate
$2,189
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 88c/km · 10.6km from CBD · 192 days
$3,107
Home insurance
Estimated · flood Low · fire Medium
$2,150
Total annual running cost
$8,994
($750/month)
↓ 10% below Ku-ring-gai Council average
SuburbCost affordability score ●●●●○ 8.5/10 Excellent
Cheaper to run than 94% of Ku-ring-gai Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$2,148/yr
5,238 kWh
Unit
$1,716/yr
3,929 kWh
Estimated from AER residential benchmarks for Lindfield's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Lindfield with another suburb
Is it cheaper to drive or take public transport from Lindfield to the CBD?
Public transport saves Lindfield residents $721 per year. Annual commute cost by car is $3,107 versus $2,386 by public transport using the Opal network.
What are the council rates in Lindfield?
Lindfield falls under Ku-ring-gai Council. The average residential rate for 2026-27 is $2,189 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 $2,189 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Lindfield?
Running a unit in Lindfield costs approximately $9,934 per year by car or $9,213 by public transport. This includes council rates of $2,189, water and sewerage $1,548, estimated body corporate levy of $2,600, and contents insurance of $490. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Ku-ring-gai Council rates (IPART approved SRV, 29% in 2026-27). 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.