Aberglasslyn vs Oakhampton: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Aberglasslyn and Oakhampton are both Maitland rates (OLG suburbs, sitting 134.2 km and 133.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Aberglasslyn runs $650 a year cheaper than Oakhampton, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,452.
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 →Aberglasslyn
Oakhampton
Annual cost breakdown
| Category | Aberglasslyn | Oakhampton | Difference |
|---|---|---|---|
| Council rates | $1,970 | $1,970 | - |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $3,100 | -$650 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,397 | $24,047 | -$650 |
| Total (public transport) | $8,197 | $8,847 | -$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Aberglasslyn | Oakhampton | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Aberglasslyn vs Oakhampton (2026-27)
What the numbers show
Aberglasslyn costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,452 in favour of Aberglasslyn.
The biggest single gap is home insurance at $650 per year. Oakhampton carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,197 from Aberglasslyn versus $8,847 from Oakhampton.
10-year cumulative cost projection
| Year | Aberglasslyn cumulative | Oakhampton cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,397 | $24,047 | $650 |
| Year 3 | $72,318 | $74,327 | $2,009 |
| Year 5 | $124,218 | $127,669 | $3,451 |
| Year 10 | $268,220 | $275,672 | $7,452 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Aberglasslyn or Oakhampton cheaper to live in?
Aberglasslyn is cheaper to run by car at $23,397 per year versus $24,047 for Oakhampton, a difference of $650 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Aberglasslyn and Oakhampton?
Annual council rates for a house are $1,970 in Aberglasslyn (Maitland rates (OLG) and $1,970 in Oakhampton (Maitland rates (OLG). Water and sewerage adds $1,377 in Aberglasslyn and $1,377 in Oakhampton. 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 Aberglasslyn and Oakhampton?
Annual driving commute costs are $17,600 from Aberglasslyn and $17,600 from Oakhampton to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Aberglasslyn and $2,400 from Oakhampton.
What is the 10-year cost difference between Aberglasslyn and Oakhampton?
At 3% annual cost growth, Aberglasslyn costs a cumulative $268,220 and Oakhampton costs $275,672 over 10 years by car. The cumulative difference is $7,452 in favour of Aberglasslyn. Excludes purchase price, mortgage, and personal expenses.
Which of Aberglasslyn and Oakhampton 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: Maitland rates (OLG and Maitland rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.