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True annual cost of living in Young, NSW 2594

Living in a house in Young costs about $21,936 a year: council rates, water and sewerage, commute and home insurance combined. Young sits more than 100 kilometres from Sydney CBD. Unit costs reach $22,126, with the $1,500 body corporate levy accounting for the entire difference between the two. 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 · Hilltops Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Hilltops average, cheaper than 100% of suburbs in the region.
The commute is the biggest expense at $18,200, roughly 83% of the annual total.
The nearest state school scores 3.9/10 (ACARA ICSEA), below average for New South Wales.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
Lower cost
House annual cost
$21,936
Driving · per year
$1,828/month
Unit annual cost
$22,126
Incl. body corporate
$1,844/month
House vs unit difference
+$190
Unit costs more per year

Annual cost breakdown

Council rates
Hilltops rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$736
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 Low
$1,700
Total annual running cost
$21,936
($1,828/month)
Near Hilltops average
SuburbCost affordability score ●●●●○ 8.8/10 Excellent
Cheaper to run than 100% of Hilltops suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$3,150/yr
6,160 kWh
Unit
$2,611/yr
4,620 kWh
Estimated from AER residential benchmarks for Young'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 Young

within a 2 km walk
Nearest stop
Unnamed, 1,728 m away, about a 22 minute walk. It is a train stop.
Nearest hospital
Young Health Service, 3,019 m away, about a 38 minute walk.
Supermarkets
3
Cafes
5
Parks
11
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 Young

How is driving costed for Young?

Young 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 Young?

Young falls under Hilltops Council. The average residential rate for 2026-27 is $736 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 $736 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Young?

Running a unit in Young costs approximately $22,126 per year by car or $6,326 by public transport. This includes council rates of $736, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $390. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Young close to public transport?

The nearest scheduled service to the centre of Young is Unnamed, a train stop about 1,728 m away, about a 22 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 Young?

The closest hospital to the centre of Young is Young Health Service, about 3,019 m away, about a 38 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 Young?

Within a 2 km walk of the centre of Young there are 3 supermarkets, 5 cafes and 11 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: Hilltops 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.