Annandale vs Camperdown, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Annandale (Inner West rates (OLG) and Camperdown (Sydney rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (3.9 km and 3.6 km).
Camperdown runs $572 a year cheaper than Annandale, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $6,558.
Over 10 years, Camperdown costs about $6,600 less to run than Annandale. That's about $13 a week.
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Camperdown
Annual cost breakdown
| Category | Annandale | Camperdown | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,401 | $924 | +$477 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $1,297 | $1,202 | +$95 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $3,500 | $3,500 | - |
| Total (driving) | $6,096 | $5,524 | +$572 |
| Total (public transport) | $6,719 | $6,242 | +$477 |
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 | Annandale | Camperdown | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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, Annandale vs Camperdown (2026-27)
What the numbers show
Camperdown costs $572 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,558 in favour of Camperdown.
The biggest single gap is council rates at $477 per year.
On public transport the gap is $477 per year, $6,719 from Annandale versus $6,242 from Camperdown.
Where the difference actually comes from
- Council rates favours Camperdown by $477 a year, $924 against $1,401.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Camperdown by $95 a year, $1,202 against $1,297.
- Building insurance is identical at $1,850 a year.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated high in Annandale against medium in Camperdown, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Annandale cumulative | Camperdown cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,096 | $5,524 | $572 |
| Year 3 | $18,842 | $17,074 | $1,768 |
| Year 5 | $32,364 | $29,328 | $3,036 |
| Year 10 | $69,884 | $63,326 | $6,558 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Annandale or Camperdown cheaper to live in?
Camperdown is cheaper to run by car at $5,524 per year versus $6,096 for Annandale, a difference of $572 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Annandale and Camperdown?
Annual council rates for a house are $1,401 in Annandale (Inner West rates (OLG) and $924 in Camperdown (Sydney rates (OLG). Water and sewerage adds $1,548 in Annandale and $1,548 in Camperdown. 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 Annandale and Camperdown?
Annual driving commute costs are $1,297 from Annandale and $1,202 from Camperdown to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Annandale and $1,920 from Camperdown.
What is the 10-year cost difference between Annandale and Camperdown?
At 3% annual cost growth, Annandale costs a cumulative $69,884 and Camperdown costs $63,326 over 10 years by car. The cumulative difference is $6,558 in favour of Camperdown. Excludes purchase price, mortgage, and personal expenses.
Which of Annandale and Camperdown suits you better?
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Sources: Inner West rates (OLG and Sydney rates (OLG 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.