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11.3 km from CBD
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True annual cost of living in Rockdale, NSW 2216

Living in a house in Rockdale costs about $9,042 a year: council rates, water and sewerage, commute and home insurance combined. Rockdale sits 11.3 kilometres from Sydney CBD. Unit costs reach $9,372, with the $2,600 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $893 per year at this distance.

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

3 key insights
Running costs sit near the Bayside average, cheaper than 28% of suburbs in the region.
The commute is the biggest expense at $3,279, roughly 36% of the annual total.
Flood 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
$9,042
Driving · per year
$754/month
Unit annual cost
$9,372
Incl. body corporate
$781/month
House vs unit difference
+$330
Unit costs more per year
Annual cost breakdown
Council rates
Bayside rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,265
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 88c/km · 11.3km from CBD · 192 days
$3,279
Home insurance
Estimated · flood High · fire Low
$2,950
Total annual running cost
$9,042
($754/month)
Near Bayside average
SuburbCost affordability score ●●○○○ 3.8/10 Poor
Cheaper to run than 28% of Bayside suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$2,148/yr
5,238 kWh
Unit
$1,716/yr
3,929 kWh
Estimated from AER residential benchmarks for Rockdale's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Rockdale with another suburb
Is it cheaper to drive or take public transport from Rockdale to the CBD?
Public transport saves Rockdale residents $893 per year. Annual commute cost by car is $3,279 versus $2,386 by public transport using the Opal network.
What are the council rates in Rockdale?
Rockdale falls under Bayside Council. The average residential rate for 2026-27 is $1,265 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 $1,265 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Rockdale?
Running a unit in Rockdale costs approximately $9,372 per year by car or $8,479 by public transport. This includes council rates of $1,265, water and sewerage $1,548, estimated body corporate levy of $2,600, and contents insurance of $680. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Bayside 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.