True annual cost of living in Riverstone, NSW 2765
Living in a house in Riverstone costs about $11,731 a year: council rates, water and sewerage, commute and home insurance combined. Riverstone sits 38.1 kilometres from Sydney CBD. Unit costs reach $12,511, with the $2,100 body corporate levy accounting for the entire difference between the two. At 38.1km, the commute dominates running costs. Drivers pay $4,573 more per year than public transport users.
About $226 a week to run a house here, including estimates
Unit annual cost
$12,511
Incl. body corporate
$1,043/month
About $241 a week to run a unit here, including estimates
House vs unit difference
+$780
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Blacktown City Council rates (IPART approved SRV, 11.54% adopted for
$1,360
Water & sewerage
Official, 2026-27 Sydney Water
$1,548
Driving commute
Modelled, 2026-27 ATO 91c/km · 38.1km from CBD · 192 days
$6,973
Home insurance
Estimated flood Medium · fire Low
$1,850
Body corporate
Estimated
$2,100
Total annual running cost
$11,731
($978/month, $226/week)
Excludes electricity, estimated separately below.
Near Blacktown City Council average
SuburbCost affordability score ●●●○○6.1/10 Average
Cheaper to run than 63% of Blacktown City Council 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 Riverstone'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 Riverstone
within a 2 km walk
Nearest stop
Riverstone, 503 m away, about a 6 minute walk. It is a train stop.
Supermarkets
1
Cafes
1
Parks
14
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 Riverstone to the CBD?
Public transport saves Riverstone residents $4,573 per year. Annual commute cost by car is $6,973 versus $2,400 by public transport using the Opal network.
What are the council rates in Riverstone?
Riverstone falls under Blacktown City Council. The average residential rate for 2026-27 is $1,360 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 $1,360 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Riverstone?
Running a unit in Riverstone costs approximately $12,511 per year by car or $7,938 by public transport. This includes council rates of $1,360, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $530. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Riverstone close to public transport?
The nearest scheduled service to the centre of Riverstone is Riverstone, a train stop about 503 m away, about a 6 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 Riverstone?
Within a 2 km walk of the centre of Riverstone there is 1 supermarket, 1 cafe and 14 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: Blacktown City Council rates (IPART approved SRV, 11.54% adopted for 2026-27). 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.