True annual cost of living in Smithfield, NSW 2164
Living in a house in Smithfield costs about $10,924 a year: council rates, water and sewerage, commute and home insurance combined. Smithfield sits 24.9 kilometres from Sydney CBD. Unit costs reach $11,454, with the $2,300 body corporate levy accounting for the entire difference between the two. At 24.9km from the CBD, transport mode shifts the annual total by $3,593. The gap widens as commute costs rise.
Cheaper to run than 5% of Cumberland 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 Smithfield'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 Smithfield
within a 2 km walk
Nearest stop
Fairfield, 3,239 m away, about a 40 minute walk. It is a train stop.
Nearest hospital
Holroyd Private Hospital, 3,553 m away, about a 44 minute walk.
Supermarkets
1
Cafes
1
Parks
38
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 Smithfield to the CBD?
Public transport saves Smithfield residents $3,593 per year. Annual commute cost by car is $5,993 versus $2,400 by public transport using the Opal network.
What are the council rates in Smithfield?
Smithfield falls under Cumberland Council. The average residential rate for 2026-27 is $1,083 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 $1,083 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Smithfield?
Running a unit in Smithfield costs approximately $11,454 per year by car or $7,861 by public transport. This includes council rates of $1,083, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $530. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Smithfield close to public transport?
The nearest scheduled service to the centre of Smithfield is Fairfield, a train stop about 3,239 m away, about a 40 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 Smithfield?
The closest hospital to the centre of Smithfield is Holroyd Private Hospital, about 3,553 m away, about a 44 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 Smithfield?
Within a 2 km walk of the centre of Smithfield there is 1 supermarket, 1 cafe and 38 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: Cumberland 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.