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32.4 km from CBD
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True annual cost of living in Palona, NSW 2232

Living in a house in Palona costs about $12,451 a year: council rates, water and sewerage, commute and home insurance combined. Palona sits 32.4 kilometres from Sydney CBD. Unit costs reach $12,591, with the $2,100 body corporate levy accounting for the entire difference between the two. At 32.4km, the commute dominates running costs. Drivers pay $4,336 more per year than public transport users.

Last updated July 2026 · Sutherland Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Costs 6% more to run than the Sutherland average, cheaper than only 17% of suburbs in the region.
The commute is the biggest expense at $6,736, 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 →
Lower cost
House annual cost
$12,451
Driving · per year
$1,038/month
Unit annual cost
$12,591
Incl. body corporate
$1,049/month
House vs unit difference
+$140
Unit costs more per year

Annual cost breakdown

Council rates
Sutherland rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,617
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 91c/km · 32.4km from CBD · 192 days
$6,736
Home insurance
Estimated · flood Low · fire High
$2,550
Total annual running cost
$12,451
($1,038/month)
↑ 6% above Sutherland average
SuburbCost affordability score ●●○○○ 3.1/10 Poor
Cheaper to run than 17% of Sutherland 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 Palona'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 Palona

within a 2 km walk
Nearest stop
Waterfall, 5,330 m away, about a 67 minute walk. It is a train stop.
Supermarkets
0
Cafes
0
Parks
0
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.

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Frequently asked questions about Palona

Is it cheaper to drive or take public transport from Palona to the CBD?

Public transport saves Palona residents $4,336 per year. Annual commute cost by car is $6,736 versus $2,400 by public transport using the Opal network.

What are the council rates in Palona?

Palona falls under Sutherland Council. The average residential rate for 2026-27 is $1,617 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 $1,617 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Palona?

Running a unit in Palona costs approximately $12,591 per year by car or $8,255 by public transport. This includes council rates of $1,617, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $590. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Palona close to public transport?

The nearest scheduled service to the centre of Palona is Waterfall, a train stop about 5,330 m away, about a 67 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 shops and parks are in Palona?

Within a 2 km walk of the centre of Palona there are 0 supermarkets, 0 cafes and 0 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: Sutherland 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.