True annual cost of living in Phillip Bay, NSW 2036
Living in a house in Phillip Bay costs about $9,930 a year: council rates, water and sewerage, commute and home insurance combined. Phillip Bay sits 12.6 kilometres from Sydney CBD. Unit costs reach $9,960, with the $2,300 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $1,323 per year at this distance.
Cheaper to run than 14% of Randwick 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 Phillip Bay'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 Phillip Bay
within a 2 km walk
Nearest stop
Unnamed, 705 m away, about a 9 minute walk. It is a ferry stop.
Nearest hospital
Jarrah House, 1,312 m away, about a 16 minute walk.
Supermarkets
1
Cafes
4
Parks
21
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 Phillip Bay to the CBD?
Public transport saves Phillip Bay residents $1,323 per year. Annual commute cost by car is $3,709 versus $2,386 by public transport using the Opal network.
What are the council rates in Phillip Bay?
Phillip Bay falls under Randwick Council. The average residential rate for 2026-27 is $1,723 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 $1,723 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Phillip Bay?
Running a unit in Phillip Bay costs approximately $9,960 per year by car or $8,637 by public transport. This includes council rates of $1,723, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $680. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Phillip Bay close to public transport?
The nearest scheduled service to the centre of Phillip Bay is Unnamed, a ferry stop about 705 m away, about a 9 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 Phillip Bay?
The closest hospital to the centre of Phillip Bay is Jarrah House, about 1,312 m away, about a 16 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 Phillip Bay?
Within a 2 km walk of the centre of Phillip Bay there is 1 supermarket, 4 cafes and 21 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: Randwick 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.