Angus vs Windsor Downs, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Angus and Windsor Downs are both Blacktown City Council rates (IPART approved SRV, 11.54% adopted for suburbs, sitting 40.2 km and 42.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Windsor Downs runs $384 a year cheaper than Angus, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,402.
Over 10 years the gap between these two is about $4,400, about $8 a week, and most of it is the AI-estimated insurance line.
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Windsor Downs
Annual cost breakdown
| Category | Angus | Windsor Downs | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,360 | $1,360 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,988 | $6,954 | +$34 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,450 | $2,100 | +$350 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,346 | $11,962 | +$384 |
| Total (public transport) | $7,758 | $7,408 | +$350 |
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 | Angus | Windsor Downs | 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, Angus vs Windsor Downs (2026-27)
What the numbers show
Angus and Windsor Downs differ by $384 a year by car, but $350 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $34, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year. Angus carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $350 per year, $7,758 from Angus versus $7,408 from Windsor Downs.
Where the difference actually comes from
- Council rates is identical at $1,360 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Windsor Downs by $34 a year, $6,954 against $6,988.
- Building insurance favours Windsor Downs by $350 a year, $2,100 against $2,450.
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 and the insurance band.
Flood risk is rated high in Angus against medium in Windsor Downs, which feeds the insurance estimate. The catchment state school scores 7.5 in Angus against 4.7 in Windsor Downs, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Angus cumulative | Windsor Downs cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,346 | $11,962 | $384 |
| Year 3 | $38,160 | $36,973 | $1,187 |
| Year 5 | $65,547 | $63,508 | $2,039 |
| Year 10 | $141,533 | $137,131 | $4,402 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Angus or Windsor Downs cheaper to live in?
Neither is named cheaper. Angus runs $12,346 a year by car and Windsor Downs $11,962, but most of the $384 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $34. Source: SuburbCost 2026 data.
What are council rates in Angus and Windsor Downs?
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 Windsor Downs (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Angus and $1,548 in Windsor Downs. 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 Windsor Downs?
Annual driving commute costs are $6,988 from Angus and $6,954 from Windsor Downs to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Angus and $2,400 from Windsor Downs.
What is the 10-year cost difference between Angus and Windsor Downs?
At 3% annual cost growth, Angus costs a cumulative $141,533 and Windsor Downs costs $137,131 over 10 years by car. The cumulative difference is $4,402 in favour of Windsor Downs. Excludes purchase price, mortgage, and personal expenses.
Which of Angus and Windsor Downs suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.