Aberdeen vs Kayuga, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Aberdeen (Upper Hunter rates (OLG) and Kayuga (Muswellbrook rates (OLG) attract comparison from buyers considering suburbs across different council areas.
The two sit within $37 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.
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Kayuga
Annual cost breakdown
| Category | Aberdeen | Kayuga | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,002 | $965 | +$37 |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,352 | $22,315 | +$37 |
| Total (public transport) | $22,352 | $22,315 | +$37 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Aberdeen | Kayuga | Difference |
|---|---|---|---|
| House | $2,615 | $2,615 | - |
| Unit | $2,113 | $2,113 | - |
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, Aberdeen vs Kayuga (2026-27)
What the numbers show
Aberdeen and Kayuga cost within $37 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $425, making running cost a minor factor in the decision.
The biggest single gap is council rates at $37 per year.
On public transport the two suburbs cost almost the same, $22,352 and $22,315 a year, so the $37 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Kayuga by $37 a year, $965 against $1,002.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $1,850 a year.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
10-year cumulative cost projection
| Year | Aberdeen cumulative | Kayuga cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,352 | $22,315 | $37 |
| Year 3 | $69,088 | $68,973 | $115 |
| Year 5 | $118,670 | $118,473 | $197 |
| Year 10 | $256,241 | $255,816 | $425 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Aberdeen or Kayuga cheaper to live in?
Kayuga is cheaper to run by car at $22,315 per year versus $22,352 for Aberdeen, a difference of $37 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Aberdeen and Kayuga?
Annual council rates for a house are $1,002 in Aberdeen (Upper Hunter rates (OLG) and $965 in Kayuga (Muswellbrook rates (OLG). Water and sewerage adds $1,300 in Aberdeen and $1,300 in Kayuga. 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 Aberdeen and Kayuga?
Aberdeen carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Kayuga carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Aberdeen and Kayuga?
At 3% annual cost growth, Aberdeen costs a cumulative $256,241 and Kayuga costs $255,816 over 10 years by car. The cumulative difference is $425 in favour of Kayuga. Excludes purchase price, mortgage, and personal expenses.
Which of Aberdeen and Kayuga suits you better?
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Sources: Upper Hunter rates (OLG and Muswellbrook rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.