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True annual cost of living in Sutton, NSW 2620

Living in a house in Sutton costs about $22,702 a year: council rates, water and sewerage, commute and home insurance combined. Sutton sits more than 100 kilometres from Sydney CBD. Unit costs come in at $22,662, as lower council rates more than offset the $1,500 body corporate levy. Driving is costed as a flat regional allowance of $18,200, about 20,000km of household driving a year, because a daily CBD commute is not realistic from here.

Last updated July 2026 · Yass Valley Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Yass Valley average, cheaper than 100% of suburbs in the region.
The commute is the biggest expense at $18,200, roughly 80% of the annual total.
The nearest state school scores 8.5/10 (ACARA ICSEA), well above average for New South Wales.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$22,702
Driving · per year
$1,892/month
Lower cost
Unit annual cost
$22,662
Incl. body corporate
$1,889/month
House vs unit difference
−$40
Unit is cheaper per year

Annual cost breakdown

Council rates
Yass Valley rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,202
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated · flood Low · fire Medium
$2,000
Total annual running cost
$22,702
($1,892/month)
Near Yass Valley average
SuburbCost affordability score ●●●●○ 8.5/10 Excellent
Cheaper to run than 100% of Yass Valley suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$3,257/yr
6,467 kWh
Unit
$2,691/yr
4,850 kWh
Estimated from AER residential benchmarks for Sutton'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 Sutton

within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
1
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.

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Frequently asked questions about Sutton

How is driving costed for Sutton?

Sutton is more than 100 kilometres from Sydney CBD, so a daily commute is not assumed. Driving is costed as a flat regional allowance of $18,200 a year, about 20,000km of household driving at the ATO rate of 91c/km. Add your own workplace in the free report to cost the real drive.

What are the council rates in Sutton?

Sutton falls under Yass Valley Council. The average residential rate for 2026-27 is $1,202 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 $1,202 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Sutton?

Running a unit in Sutton costs approximately $22,662 per year by car or $6,862 by public transport. This includes council rates of $1,202, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $460. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Sutton close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Sutton. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.

What shops and parks are in Sutton?

Within a 2 km walk of the centre of Sutton there are 0 supermarkets, 0 cafes and 1 park. 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: Yass Valley rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. 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.