Angus vs Windsor Downs: 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 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 $683 a year cheaper than Angus, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,829.
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 →Angus
Windsor Downs
Annual cost breakdown
| Category | Angus | Windsor Downs | Difference |
|---|---|---|---|
| Council rates | $1,360 | $1,360 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,758 | $6,725 | +$33 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $2,600 | +$650 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,916 | $12,233 | +$683 |
| Total (public transport) | $8,558 | $7,908 | +$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 | Angus | Windsor Downs | 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 Windsor Downs (2026-27)
What the numbers show
Windsor Downs costs $683 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,829 in favour of Windsor Downs.
The biggest single gap is home insurance at $650 per year. Angus carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,558 from Angus versus $7,908 from Windsor Downs.
10-year cumulative cost projection
| Year | Angus cumulative | Windsor Downs cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,916 | $12,233 | $683 |
| Year 3 | $39,922 | $37,811 | $2,111 |
| Year 5 | $68,573 | $64,947 | $3,626 |
| Year 10 | $148,067 | $140,238 | $7,829 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Angus or Windsor Downs cheaper to live in?
Windsor Downs is cheaper to run by car at $12,233 per year versus $12,916 for Angus, a difference of $683 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. 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 $6,758 from Angus and $6,725 from Windsor Downs to Sydney CBD (ATO 88c/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 $148,067 and Windsor Downs costs $140,238 over 10 years by car. The cumulative difference is $7,829 in favour of Windsor Downs. Excludes purchase price, mortgage, and personal expenses.
Which of Angus and Windsor Downs 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.