True annual cost of living in North St Marys, NSW 2760
Living in a house in North St Marys costs about $12,288 a year: council rates, water and sewerage, commute and home insurance combined. North St Marys sits 40.8 kilometres from Sydney CBD. Unit costs reach $12,728, with the $2,100 body corporate levy accounting for the entire difference between the two. At 40.8km, the commute dominates running costs. Drivers pay $4,586 more per year than public transport users.
About $236 a week to run a house here, including estimates
Unit annual cost
$12,728
Incl. body corporate
$1,061/month
About $245 a week to run a unit here, including estimates
House vs unit difference
+$440
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Penrith rates
$1,604
Water & sewerage
Official, 2026-27 Sydney Water
$1,548
Driving commute
Modelled, 2026-27 ATO 91c/km · 40.8km from CBD · 192 days
$6,986
Home insurance
Estimated flood Low · fire Medium
$2,150
Body corporate
Estimated
$2,100
Total annual running cost
$12,288
($1,024/month, $236/week)
Excludes electricity, estimated separately below.
Near Penrith average
SuburbCost affordability score ●●●○○5.2/10 Average
Cheaper to run than 58% of Penrith suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,720/yr
6,060 kWh
Unit
$2,209/yr
4,545 kWh
Estimated from AER residential benchmarks for North St Marys'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 North St Marys
within a 2 km walk
Nearest stop
St Marys, 1,739 m away, about a 22 minute walk. It is a train stop.
Nearest hospital
Mount Druitt Hospital, 3,988 m away, about a 50 minute walk.
Supermarkets
5
Cafes
2
Parks
39
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-11-03. 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 North St Marys to the CBD?
Public transport saves North St Marys residents $4,586 per year. Annual commute cost by car is $6,986 versus $2,400 by public transport using the Opal network.
What are the council rates in North St Marys?
North St Marys falls under Penrith Council. The average residential rate for 2026-27 is $1,604 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 $1,604 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in North St Marys?
Running a unit in North St Marys costs approximately $12,728 per year by car or $8,142 by public transport. This includes council rates of $1,604, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $490. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is North St Marys close to public transport?
The nearest scheduled service to the centre of North St Marys is St Marys, a train stop about 1,739 m away, about a 22 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 North St Marys?
The closest hospital to the centre of North St Marys is Mount Druitt Hospital, about 3,988 m away, about a 50 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 North St Marys?
Within a 2 km walk of the centre of North St Marys there are 5 supermarkets, 2 cafes and 39 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
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10-year cost projection
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Data sources: Council rates: Penrith rates (OLG 2024-25 + IPART 2026-27 peg). Water: Sydney Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.