Belmore vs Campsie: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Belmore and Campsie are both Canterbury-Bankstown rates (OLG suburbs, sitting 12.4 km and 11 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Campsie runs $335 a year cheaper than Belmore, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,840.
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 →Belmore
Campsie
Annual cost breakdown
| Category | Belmore | Campsie | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,377 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,541 | $3,206 | +$335 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $2,300 | - |
| Body corporate (unit) | $2,300 | $2,600 | -$300 |
| Total (driving) | $8,766 | $8,431 | +$335 |
| Total (public transport) | $7,611 | $7,611 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Belmore | Campsie | 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 — Belmore vs Campsie (2026-27)
What the numbers show
Campsie costs $335 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,840 in favour of Campsie.
The biggest single gap is commute costs at $335 per year. Belmore is 12.4 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $7,611 and $7,611 a year, so the $335 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Belmore cumulative | Campsie cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,766 | $8,431 | $335 |
| Year 3 | $27,095 | $26,059 | $1,036 |
| Year 5 | $46,540 | $44,761 | $1,779 |
| Year 10 | $100,492 | $96,652 | $3,840 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Belmore or Campsie cheaper to live in?
Campsie is cheaper to run by car at $8,431 per year versus $8,766 for Belmore, a difference of $335 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Belmore and Campsie?
Annual council rates for a house are $1,377 in Belmore (Canterbury-Bankstown rates (OLG) and $1,377 in Campsie (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Belmore and $1,548 in Campsie. 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 Belmore and Campsie?
Annual driving commute costs are $3,541 from Belmore and $3,206 from Campsie to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Belmore and $2,386 from Campsie.
What is the 10-year cost difference between Belmore and Campsie?
At 3% annual cost growth, Belmore costs a cumulative $100,492 and Campsie costs $96,652 over 10 years by car. The cumulative difference is $3,840 in favour of Campsie. Excludes purchase price, mortgage, and personal expenses.
Which of Belmore and Campsie 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: Canterbury-Bankstown rates (OLG and Canterbury-Bankstown 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.