Aberdare vs Elrington: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Aberdare and Elrington are both Cessnock rates (OLG suburbs, sitting 39.1 km and 35.5 km from Newcastle CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $85 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Aberdare
Elrington
Annual cost breakdown
| Category | Aberdare | Elrington | Difference |
|---|---|---|---|
| Council rates | $1,458 | $1,458 | - |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $6,985 | $6,900 | +$85 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $12,220 | $12,135 | +$85 |
| Total (public transport) | $7,635 | $7,635 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Aberdare | Elrington | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Aberdare vs Elrington (2026-27)
What the numbers show
Aberdare and Elrington cost within $85 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $975, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $85 per year. Aberdare is 39.1 km from Newcastle CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,635 and $7,635 a year, so the $85 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,458 a year.
- Water and sewerage is identical at $1,377 a year.
- Driving commute favours Elrington by $85 a year, $6,900 against $6,985.
- Building insurance is identical at $2,400 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
10-year cumulative cost projection
| Year | Aberdare cumulative | Elrington cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,220 | $12,135 | $85 |
| Year 3 | $37,771 | $37,508 | $263 |
| Year 5 | $64,878 | $64,426 | $452 |
| Year 10 | $140,089 | $139,114 | $975 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Aberdare or Elrington cheaper to live in?
Elrington is cheaper to run by car at $12,135 per year versus $12,220 for Aberdare, a difference of $85 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Aberdare and Elrington?
Annual council rates for a house are $1,458 in Aberdare (Cessnock rates (OLG) and $1,458 in Elrington (Cessnock rates (OLG). Water and sewerage adds $1,377 in Aberdare and $1,377 in Elrington. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Aberdare and Elrington?
Annual driving commute costs are $6,985 from Aberdare and $6,900 from Elrington to Newcastle CBD (ATO 91c/km). Public transport costs $2,400 from Aberdare and $2,400 from Elrington.
What is the 10-year cost difference between Aberdare and Elrington?
At 3% annual cost growth, Aberdare costs a cumulative $140,089 and Elrington costs $139,114 over 10 years by car. The cumulative difference is $975 in favour of Elrington. Excludes purchase price, mortgage, and personal expenses.
Which of Aberdare and Elrington is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Cessnock rates (OLG and Cessnock rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.