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27.6 km from CBD
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True annual cost of living in Warumbul, NSW 2232

Living in a house in Warumbul costs about $12,924 a year: council rates, water and sewerage, commute and home insurance combined. Warumbul sits 27.6 kilometres from Sydney CBD. Unit costs come in at $12,214, as lower council rates more than offset the $2,100 body corporate levy. At 27.6km from the CBD, transport mode shifts the annual total by $3,709. The gap widens as commute costs rise.

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

3 key insights
Costs 11% more to run than the Sutherland average, cheaper than only 6% of suburbs in the region.
The commute is the biggest expense at $6,109, roughly 47% of the annual total.
Flood and bushfire risk are 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 →
House annual cost
$12,924
Driving · per year
$1,077/month
Lower cost
Unit annual cost
$12,214
Incl. body corporate
$1,018/month
House vs unit difference
−$710
Unit is cheaper per year
Annual cost breakdown
Council rates
Sutherland rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,617
Water & sewerage
Sydney Water 2026-27
$1,548
Driving commute
ATO 88c/km · 27.6km from CBD · 192 days
$6,109
Home insurance
Estimated · flood High · fire High
$3,650
Total annual running cost
$12,924
($1,077/month)
↑ 11% above Sutherland average
SuburbCost affordability score ●○○○○ 2.9/10 Poor
Cheaper to run than 6% of Sutherland 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 Warumbul's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Warumbul with another suburb
Is it cheaper to drive or take public transport from Warumbul to the CBD?
Public transport saves Warumbul residents $3,709 per year. Annual commute cost by car is $6,109 versus $2,400 by public transport using the Opal network.
What are the council rates in Warumbul?
Warumbul falls under Sutherland Council. The average residential rate for 2026-27 is $1,617 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 $1,617 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Warumbul?
Running a unit in Warumbul costs approximately $12,214 per year by car or $8,505 by public transport. This includes council rates of $1,617, water and sewerage $1,548, estimated body corporate levy of $2,100, and contents insurance of $840. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Sutherland 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.