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39.5 km from CBD
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True annual cost of living in Maraylya, NSW 2765

Living in a house in Maraylya costs about $12,566 a year: council rates, water and sewerage, commute and home insurance combined. Maraylya sits 39.5 kilometres from Sydney CBD. Unit costs come in at $12,356, as lower council rates more than offset the $2,100 body corporate levy. At 39.5km, the commute dominates running costs. Drivers pay $4,357 more per year than public transport users.

Last updated July 2026 · The Hills Council rates 2026-27, ATO 88c/km, AER electricity benchmarks

3 key insights
Costs 9% more to run than the The Hills average, cheaper than only 14% of suburbs in the region.
The commute is the biggest expense at $6,757, roughly 54% of the annual total.
Bushfire risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$12,566
Driving · per year
$1,047/month
Lower cost
Unit annual cost
$12,356
Incl. body corporate
$1,030/month
House vs unit difference
−$210
Unit is cheaper per year
Annual cost breakdown
Council rates
The Hills rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,261
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 88c/km · 39.5km from CBD · 192 days
$6,757
Home insurance
Estimated · flood Medium · fire High
$3,000
Total annual running cost
$12,566
($1,047/month)
↑ 9% above The Hills average
SuburbCost affordability score ●○○○○ 2.9/10 Poor
Cheaper to run than 14% of The Hills suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$2,420/yr
6,060 kWh
Unit
$1,920/yr
4,545 kWh
Estimated from AER residential benchmarks for Maraylya's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Maraylya with another suburb
Is it cheaper to drive or take public transport from Maraylya to the CBD?
Public transport saves Maraylya residents $4,357 per year. Annual commute cost by car is $6,757 versus $2,400 by public transport using the Opal network.
What are the council rates in Maraylya?
Maraylya falls under The Hills Council. The average residential rate for 2026-27 is $1,261 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 $1,261 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Maraylya?
Running a unit in Maraylya costs approximately $12,356 per year by car or $7,999 by public transport. This includes council rates of $1,261, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $690. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: The Hills 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.