Appletree Flat vs Dural: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Appletree Flat and Dural are both Singleton rates (OLG suburbs, sitting 152.8 km and 148.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
Appletree Flat
Dural
Annual cost breakdown
| Category | Appletree Flat | Dural | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,641 | $22,641 | - |
| Total (public transport) | $7,441 | $7,441 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Appletree Flat | Dural | 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 — Appletree Flat vs Dural (2026-27)
What the numbers show
Appletree Flat and Dural cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $7,441 and $7,441 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Appletree Flat cumulative | Dural cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,641 | $22,641 | $0 |
| Year 3 | $69,981 | $69,981 | $0 |
| Year 5 | $120,204 | $120,204 | $0 |
| Year 10 | $259,554 | $259,554 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Appletree Flat or Dural cheaper to live in?
Appletree Flat is cheaper to run by car at $22,641 per year versus $22,641 for Dural, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Appletree Flat and Dural?
Annual council rates for a house are $1,341 in Appletree Flat (Singleton rates (OLG) and $1,341 in Dural (Singleton rates (OLG). Water and sewerage adds $1,300 in Appletree Flat and $1,300 in Dural. 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 Appletree Flat and Dural?
Annual driving commute costs are $17,600 from Appletree Flat and $17,600 from Dural to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Appletree Flat and $2,400 from Dural.
What is the 10-year cost difference between Appletree Flat and Dural?
At 3% annual cost growth, Appletree Flat costs a cumulative $259,554 and Dural costs $259,554 over 10 years by car. The cumulative difference is $0 in favour of Appletree Flat. Excludes purchase price, mortgage, and personal expenses.
Which of Appletree Flat and Dural 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: Singleton rates (OLG and Singleton rates (OLG 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.