True annual cost of living in Yellow Rock Ridge, NSW 2527
Living in a house in Yellow Rock Ridge costs about $9,857 a year: council rates, water and sewerage, commute and home insurance combined. Yellow Rock Ridge sits 92.6 kilometres from Sydney CBD. Unit costs come in at $9,807, as lower council rates more than offset the $1,800 body corporate levy. At 92.6km, the commute dominates running costs. Drivers pay $1,644 more per year than public transport users.
Cheaper to run than 48% of Shellharbour suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,442/yr
5,238 kWh
Unit
$2,001/yr
3,929 kWh
Estimated from AER residential benchmarks for Yellow Rock Ridge'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 Yellow Rock Ridge
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
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.
Frequently asked questions about Yellow Rock Ridge
Is it cheaper to drive or take public transport from Yellow Rock Ridge to the CBD?
Public transport saves Yellow Rock Ridge residents $1,644 per year. Annual commute cost by car is $4,044 versus $2,400 by public transport using the Opal network.
What are the council rates in Yellow Rock Ridge?
Yellow Rock Ridge falls under Shellharbour Council. The average residential rate for 2026-27 is $1,865 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 $1,865 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Yellow Rock Ridge?
Running a unit in Yellow Rock Ridge costs approximately $9,807 per year by car or $8,163 by public transport. This includes council rates of $1,865, water and sewerage $1,548, estimated body corporate levy of $1,800, and contents insurance of $550. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Yellow Rock Ridge close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Yellow Rock Ridge. 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 Yellow Rock Ridge?
Within a 2 km walk of the centre of Yellow Rock Ridge there are 0 supermarkets, 0 cafes and 0 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: Shellharbour 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.