Angus vs Riverstone: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Angus and Riverstone are both Blacktown City Council rates (IPART approved SRV, 11.54% adopted for suburbs, sitting 40.2 km and 38.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Riverstone runs $965 a year cheaper than Angus, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $11,062.
Over 10 years, Riverstone costs about $11,100 less to run than Angus — the same as paying $11,100 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Angus
Riverstone
Annual cost breakdown
| Category | Angus | Riverstone | Difference |
|---|---|---|---|
| Council rates | $1,360 | $1,360 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,758 | $6,743 | +$15 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $2,300 | +$950 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,916 | $11,951 | +$965 |
| Total (public transport) | $8,558 | $7,608 | +$950 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Angus | Riverstone | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Angus vs Riverstone (2026-27)
What the numbers show
Riverstone costs $965 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $11,062 in favour of Riverstone.
The biggest single gap is home insurance at $950 per year. Angus carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $950 per year, $8,558 from Angus versus $7,608 from Riverstone.
10-year cumulative cost projection
| Year | Angus cumulative | Riverstone cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,916 | $11,951 | $965 |
| Year 3 | $39,922 | $36,939 | $2,983 |
| Year 5 | $68,573 | $63,449 | $5,124 |
| Year 10 | $148,067 | $137,005 | $11,062 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Angus or Riverstone cheaper to live in?
Riverstone is cheaper to run by car at $11,951 per year versus $12,916 for Angus, a difference of $965 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Angus and Riverstone?
Annual council rates for a house are $1,360 in Angus (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) and $1,360 in Riverstone (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Angus and $1,548 in Riverstone. 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 Angus and Riverstone?
Annual driving commute costs are $6,758 from Angus and $6,743 from Riverstone to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Angus and $2,400 from Riverstone.
What is the 10-year cost difference between Angus and Riverstone?
At 3% annual cost growth, Angus costs a cumulative $148,067 and Riverstone costs $137,005 over 10 years by car. The cumulative difference is $11,062 in favour of Riverstone. Excludes purchase price, mortgage, and personal expenses.
Which of Angus and Riverstone 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: Blacktown City Council rates (IPART approved SRV, 11.54% adopted for and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for 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.