Agnes Banks vs Grose Wold, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Agnes Banks and Grose Wold are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 55.1 km and 57.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Grose Wold runs $342 a year cheaper than Agnes Banks, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,921.
Over 10 years, Grose Wold costs about $3,900 less to run than Agnes Banks. That's about $8 a week.
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Grose Wold
Annual cost breakdown
| Category | Agnes Banks | Grose Wold | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,993 | $5,651 | +$342 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,000 | $2,000 | - |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,389 | $11,047 | +$342 |
| Total (public transport) | $7,796 | $7,796 | - |
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 | Agnes Banks | Grose Wold | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Agnes Banks vs Grose Wold (2026-27)
What the numbers show
Grose Wold costs $342 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,921 in favour of Grose Wold.
The biggest single gap is commute costs at $342 per year. Grose Wold is 57.5 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,796 and $7,796 a year, so the $342 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Grose Wold by $342 a year, $5,651 against $5,993.
- Building insurance is identical at $2,000 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.
Flood risk is rated high in Agnes Banks against medium in Grose Wold, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Agnes Banks cumulative | Grose Wold cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,389 | $11,047 | $342 |
| Year 3 | $35,202 | $34,145 | $1,057 |
| Year 5 | $60,466 | $58,650 | $1,816 |
| Year 10 | $130,562 | $126,641 | $3,921 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Agnes Banks or Grose Wold cheaper to live in?
Grose Wold is cheaper to run by car at $11,047 per year versus $11,389 for Agnes Banks, a difference of $342 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Agnes Banks and Grose Wold?
Annual council rates for a house are $1,848 in Agnes Banks (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Grose Wold (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Agnes Banks and $1,548 in Grose Wold. 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 Agnes Banks and Grose Wold?
Annual driving commute costs are $5,993 from Agnes Banks and $5,651 from Grose Wold to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Agnes Banks and $2,400 from Grose Wold.
What is the 10-year cost difference between Agnes Banks and Grose Wold?
At 3% annual cost growth, Agnes Banks costs a cumulative $130,562 and Grose Wold costs $126,641 over 10 years by car. The cumulative difference is $3,921 in favour of Grose Wold. Excludes purchase price, mortgage, and personal expenses.
Which of Agnes Banks and Grose Wold suits you better?
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Sources: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in 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.