Bardia vs Glenfield: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bardia and Glenfield are both Campbelltown rates (OLG suburbs, sitting 34.3 km and 31.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $290 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.
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 →Bardia
Glenfield
Annual cost breakdown
| Category | Bardia | Glenfield | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,847 | $6,687 | +$160 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,600 | -$450 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,042 | $12,332 | -$290 |
| Total (public transport) | $7,595 | $8,045 | -$450 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bardia | Glenfield | 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 — Bardia vs Glenfield (2026-27)
What the numbers show
Bardia and Glenfield cost within $290 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,325, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $450 per year. Glenfield carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,595 from Bardia versus $8,045 from Glenfield.
Where the difference actually comes from
- Council rates is identical at $1,497 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Glenfield by $160 a year, $6,687 against $6,847.
- Building insurance favours Bardia by $450 a year, $2,150 against $2,600.
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 medium in Glenfield against low in Bardia, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bardia cumulative | Glenfield cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,042 | $12,332 | $290 |
| Year 3 | $37,221 | $38,117 | $896 |
| Year 5 | $63,933 | $65,472 | $1,539 |
| Year 10 | $138,048 | $141,373 | $3,325 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bardia or Glenfield cheaper to live in?
Bardia is cheaper to run by car at $12,042 per year versus $12,332 for Glenfield, a difference of $290 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bardia and Glenfield?
Annual council rates for a house are $1,497 in Bardia (Campbelltown rates (OLG) and $1,497 in Glenfield (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Bardia and $1,548 in Glenfield. 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 Bardia and Glenfield?
Annual driving commute costs are $6,847 from Bardia and $6,687 from Glenfield to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bardia and $2,400 from Glenfield.
What is the 10-year cost difference between Bardia and Glenfield?
At 3% annual cost growth, Bardia costs a cumulative $138,048 and Glenfield costs $141,373 over 10 years by car. The cumulative difference is $3,325 in favour of Bardia. Excludes purchase price, mortgage, and personal expenses.
Which of Bardia and Glenfield 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: Campbelltown rates (OLG and Campbelltown rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.