Annangrove vs Gables, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Annangrove and Gables are both The Hills rates (OLG suburbs, sitting 34.5 km and 38.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Gables runs $381 a year cheaper than Annangrove, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,368.
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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Gables
Annual cost breakdown
| Category | Annangrove | Gables | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,261 | $1,261 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,857 | $6,976 | -$119 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,350 | +$500 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,516 | $11,135 | +$381 |
| Total (public transport) | $7,059 | $6,559 | +$500 |
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 | Annangrove | Gables | 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, Annangrove vs Gables (2026-27)
What the numbers show
Annangrove and Gables differ by $381 a year by car, but $500 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 $119, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year.
On public transport the gap is $500 per year, $7,059 from Annangrove versus $6,559 from Gables.
Where the difference actually comes from
- Council rates is identical at $1,261 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Annangrove by $119 a year, $6,857 against $6,976.
- Building insurance favours Gables by $500 a year, $1,350 against $1,850.
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.
Fire risk is rated high in Annangrove against low in Gables, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Annangrove cumulative | Gables cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,516 | $11,135 | $381 |
| Year 3 | $35,595 | $34,417 | $1,178 |
| Year 5 | $61,140 | $59,117 | $2,023 |
| Year 10 | $132,018 | $127,650 | $4,368 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Annangrove or Gables cheaper to live in?
Neither is named cheaper. Annangrove runs $11,516 a year by car and Gables $11,135, but most of the $381 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $119. Source: SuburbCost 2026 data.
What are council rates in Annangrove and Gables?
Annual council rates for a house are $1,261 in Annangrove (The Hills rates (OLG) and $1,261 in Gables (The Hills rates (OLG). Water and sewerage adds $1,548 in Annangrove and $1,548 in Gables. 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 Annangrove and Gables?
Annual driving commute costs are $6,857 from Annangrove and $6,976 from Gables to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Annangrove and $2,400 from Gables.
What is the 10-year cost difference between Annangrove and Gables?
At 3% annual cost growth, Annangrove costs a cumulative $132,018 and Gables costs $127,650 over 10 years by car. The cumulative difference is $4,368 in favour of Gables. Excludes purchase price, mortgage, and personal expenses.
Which of Annangrove and Gables suits you better?
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Sources: The Hills rates (OLG and The Hills 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.