Berkshire Park vs Llandilo: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Berkshire Park and Llandilo are both Penrith rates (OLG suburbs, sitting 44 km and 44.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Llandilo runs $435 a year cheaper than Berkshire Park, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,986.
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 →Berkshire Park
Llandilo
Annual cost breakdown
| Category | Berkshire Park | Llandilo | Difference |
|---|---|---|---|
| Council rates | $1,604 | $1,604 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,919 | $6,884 | +$35 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,000 | $2,600 | +$400 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $13,071 | $12,636 | +$435 |
| Total (public transport) | $8,552 | $8,152 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Berkshire Park | Llandilo | 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 — Berkshire Park vs Llandilo (2026-27)
What the numbers show
Llandilo costs $435 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,986 in favour of Llandilo.
The biggest single gap is home insurance at $400 per year. Berkshire Park carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,552 from Berkshire Park versus $8,152 from Llandilo.
Where the difference actually comes from
- Council rates is identical at $1,604 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Llandilo by $35 a year, $6,884 against $6,919.
- Building insurance favours Llandilo by $400 a year, $2,600 against $3,000.
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 Berkshire Park against medium in Llandilo, which feeds the insurance estimate. The catchment state school scores 8.5 in Berkshire Park against 4.5 in Llandilo, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Berkshire Park cumulative | Llandilo cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,071 | $12,636 | $435 |
| Year 3 | $40,401 | $39,057 | $1,344 |
| Year 5 | $69,396 | $67,086 | $2,310 |
| Year 10 | $149,844 | $144,858 | $4,986 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Berkshire Park or Llandilo cheaper to live in?
Llandilo is cheaper to run by car at $12,636 per year versus $13,071 for Berkshire Park, a difference of $435 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Berkshire Park and Llandilo?
Annual council rates for a house are $1,604 in Berkshire Park (Penrith rates (OLG) and $1,604 in Llandilo (Penrith rates (OLG). Water and sewerage adds $1,548 in Berkshire Park and $1,548 in Llandilo. 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 Berkshire Park and Llandilo?
Annual driving commute costs are $6,919 from Berkshire Park and $6,884 from Llandilo to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Berkshire Park and $2,400 from Llandilo.
What is the 10-year cost difference between Berkshire Park and Llandilo?
At 3% annual cost growth, Berkshire Park costs a cumulative $149,844 and Llandilo costs $144,858 over 10 years by car. The cumulative difference is $4,986 in favour of Llandilo. Excludes purchase price, mortgage, and personal expenses.
Which of Berkshire Park and Llandilo 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: Penrith rates (OLG and Penrith 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.