Living in a house in Lugarno costs about $11,362 a year: council rates, water and sewerage, commute and home insurance combined. Lugarno sits 19.3 kilometres from Sydney CBD. Unit costs come in at $11,162, as lower council rates more than offset the $2,300 body corporate levy. At 19.3km from the CBD, transport mode shifts the annual total by $2,731. The gap widens as commute costs rise.
Georges River rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,447
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 19.3km from CBD · 192 days
$5,117
Home insurance
Estimated · flood High · fire Medium
$3,250
Body corporate
Estimated
$2,300
Total annual running cost
$11,362
($947/month)
↑ 14% above Georges River average
SuburbCost affordability score ●○○○○2.8/10 Poor
Cheaper to run than 5% of Georges River 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 Lugarno'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 Lugarno
within a 2 km walk
Nearest stop
Oatley, 2,891 m away, about a 36 minute walk. It is a train stop.
Nearest hospital
Hurstville Private Hospital, 4,784 m away, about a 60 minute walk.
Supermarkets
1
Cafes
4
Parks
38
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 Lugarno to the CBD?
Public transport saves Lugarno residents $2,731 per year. Annual commute cost by car is $5,117 versus $2,386 by public transport using the Opal network.
What are the council rates in Lugarno?
Lugarno falls under Georges River Council. The average residential rate for 2026-27 is $1,447 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 $1,447 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Lugarno?
Running a unit in Lugarno costs approximately $11,162 per year by car or $8,431 by public transport. This includes council rates of $1,447, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $750. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Lugarno close to public transport?
The nearest scheduled service to the centre of Lugarno is Oatley, a train stop about 2,891 m away, about a 36 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 Lugarno?
The closest hospital to the centre of Lugarno is Hurstville Private Hospital, about 4,784 m away, about a 60 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 Lugarno?
Within a 2 km walk of the centre of Lugarno there is 1 supermarket, 4 cafes and 38 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: Georges River 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.