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21.9 km from CBD
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True annual cost of living in Yowie Bay, NSW 2228

Living in a house in Yowie Bay costs about $11,673 a year: council rates, water and sewerage, commute and home insurance combined. Yowie Bay sits 21.9 kilometres from Sydney CBD. Unit costs reach $11,703, with the $2,300 body corporate levy accounting for the entire difference between the two. At 21.9km from the CBD, transport mode shifts the annual total by $3,158. The gap widens as commute costs rise.

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

3 key insights

Running costs sit near the Sutherland average, cheaper than 55% of suburbs in the region.
The commute is the biggest expense at $5,558, roughly 48% of the annual total.
Flood risk is 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 →
Lower cost
House annual cost
$11,673
Driving · per year
$973/month
Unit annual cost
$11,703
Incl. body corporate
$975/month
House vs unit difference
+$30
Unit costs more 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 91c/km · 21.9km from CBD · 192 days
$5,558
Home insurance
Estimated · flood High · fire Low
$2,950
Total annual running cost
$11,673
($973/month)
Near Sutherland average
SuburbCost affordability score ●●●○○ 5.3/10 Average
Cheaper to run than 55% of Sutherland suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Yowie Bay'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 Yowie Bay

within a 2 km walk
Nearest stop
Miranda, 1,098 m away, about a 14 minute walk. It is a train stop.
Nearest hospital
Sutherland Heart Clinic, 1,310 m away, about a 16 minute walk.
Supermarkets
5
Cafes
19
Parks
37
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 Yowie Bay

Is it cheaper to drive or take public transport from Yowie Bay to the CBD?

Public transport saves Yowie Bay residents $3,158 per year. Annual commute cost by car is $5,558 versus $2,400 by public transport using the Opal network.

What are the council rates in Yowie Bay?

Yowie Bay 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 Yowie Bay?

Running a unit in Yowie Bay costs approximately $11,703 per year by car or $8,545 by public transport. This includes council rates of $1,617, water and sewerage $1,548, estimated body corporate levy of $2,300, and contents insurance of $680. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Yowie Bay close to public transport?

The nearest scheduled service to the centre of Yowie Bay is Miranda, a train stop about 1,098 m away, about a 14 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 Yowie Bay?

The closest hospital to the centre of Yowie Bay is Sutherland Heart Clinic, about 1,310 m away, about a 16 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 Yowie Bay?

Within a 2 km walk of the centre of Yowie Bay there are 5 supermarkets, 19 cafes and 37 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: Sutherland 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.