Beecroft vs Cheltenham: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Beecroft and Cheltenham are both Hornsby rates (OLG suburbs, sitting 18.6 km and 17.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $77 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 →Beecroft
Cheltenham
Annual cost breakdown
| Category | Beecroft | Cheltenham | Difference |
|---|---|---|---|
| Council rates | $1,541 | $1,541 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,824 | $4,601 | +$223 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $1,850 | $2,150 | -$300 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,763 | $9,840 | -$77 |
| Total (public transport) | $7,325 | $7,625 | -$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Beecroft | Cheltenham | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Beecroft vs Cheltenham (2026-27)
What the numbers show
Beecroft and Cheltenham cost within $77 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $883, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,325 from Beecroft versus $7,625 from Cheltenham.
10-year cumulative cost projection
| Year | Beecroft cumulative | Cheltenham cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,763 | $9,840 | $77 |
| Year 3 | $30,176 | $30,414 | $238 |
| Year 5 | $51,833 | $52,242 | $409 |
| Year 10 | $111,922 | $112,805 | $883 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Beecroft or Cheltenham cheaper to live in?
Beecroft is cheaper to run by car at $9,763 per year versus $9,840 for Cheltenham, a difference of $77 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Beecroft and Cheltenham?
Annual council rates for a house are $1,541 in Beecroft (Hornsby rates (OLG) and $1,541 in Cheltenham (Hornsby rates (OLG). Water and sewerage adds $1,548 in Beecroft and $1,548 in Cheltenham. 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 Beecroft and Cheltenham?
Annual driving commute costs are $4,824 from Beecroft and $4,601 from Cheltenham to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Beecroft and $2,386 from Cheltenham.
What is the 10-year cost difference between Beecroft and Cheltenham?
At 3% annual cost growth, Beecroft costs a cumulative $111,922 and Cheltenham costs $112,805 over 10 years by car. The cumulative difference is $883 in favour of Beecroft. Excludes purchase price, mortgage, and personal expenses.
Which of Beecroft and Cheltenham 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: Hornsby rates (OLG and Hornsby 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.