True annual cost of living in St Andrews, NSW 2566
Living in a house in St Andrews costs about $11,874 a year: council rates, water and sewerage, commute and home insurance combined. St Andrews sits 38.5 kilometres from Sydney CBD. Unit costs reach $12,554, with the $2,100 body corporate levy accounting for the entire difference between the two. At 38.5km, the commute dominates running costs. Drivers pay $4,579 more per year than public transport users.
Cheaper to run than 69% of Campbelltown 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 St Andrews'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 St Andrews
within a 2 km walk
Nearest stop
Minto, 1,475 m away, about an 18 minute walk. It is a train stop.
Nearest hospital
The George Centre, 5,686 m away, about a 71 minute walk.
Supermarkets
1
Cafes
0
Parks
29
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 St Andrews to the CBD?
Public transport saves St Andrews residents $4,579 per year. Annual commute cost by car is $6,979 versus $2,400 by public transport using the Opal network.
What are the council rates in St Andrews?
St Andrews falls under Campbelltown Council. The average residential rate for 2026-27 is $1,497 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 $1,497 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in St Andrews?
Running a unit in St Andrews costs approximately $12,554 per year by car or $7,975 by public transport. This includes council rates of $1,497, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $430. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is St Andrews close to public transport?
The nearest scheduled service to the centre of St Andrews is Minto, a train stop about 1,475 m away, about an 18 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 St Andrews?
The closest hospital to the centre of St Andrews is The George Centre, about 5,686 m away, about a 71 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 St Andrews?
Within a 2 km walk of the centre of St Andrews there is 1 supermarket, 0 cafes and 29 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: Campbelltown 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.