Bossley Park vs Horsley Park: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bossley Park and Horsley Park are both Fairfield rates (OLG suburbs, sitting 30.1 km and 33.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bossley Park runs $544 a year cheaper than Horsley Park, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,236.
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 →Bossley Park
Horsley Park
Annual cost breakdown
| Category | Bossley Park | Horsley Park | Difference |
|---|---|---|---|
| Council rates | $1,030 | $1,030 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,560 | $6,804 | -$244 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,150 | -$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $10,988 | $11,532 | -$544 |
| Total (public transport) | $6,828 | $7,128 | -$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bossley Park | Horsley Park | 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 — Bossley Park vs Horsley Park (2026-27)
What the numbers show
Bossley Park costs $544 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,236 in favour of Bossley Park.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $6,828 from Bossley Park versus $7,128 from Horsley Park.
Where the difference actually comes from
- Council rates is identical at $1,030 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bossley Park by $244 a year, $6,560 against $6,804.
- Building insurance favours Bossley Park by $300 a year, $1,850 against $2,150.
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 medium in Horsley Park against low in Bossley Park, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bossley Park cumulative | Horsley Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,988 | $11,532 | $544 |
| Year 3 | $33,963 | $35,644 | $1,681 |
| Year 5 | $58,337 | $61,225 | $2,888 |
| Year 10 | $125,965 | $132,201 | $6,236 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bossley Park or Horsley Park cheaper to live in?
Bossley Park is cheaper to run by car at $10,988 per year versus $11,532 for Horsley Park, a difference of $544 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bossley Park and Horsley Park?
Annual council rates for a house are $1,030 in Bossley Park (Fairfield rates (OLG) and $1,030 in Horsley Park (Fairfield rates (OLG). Water and sewerage adds $1,548 in Bossley Park and $1,548 in Horsley Park. 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 Bossley Park and Horsley Park?
Annual driving commute costs are $6,560 from Bossley Park and $6,804 from Horsley Park to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bossley Park and $2,400 from Horsley Park.
What is the 10-year cost difference between Bossley Park and Horsley Park?
At 3% annual cost growth, Bossley Park costs a cumulative $125,965 and Horsley Park costs $132,201 over 10 years by car. The cumulative difference is $6,236 in favour of Bossley Park. Excludes purchase price, mortgage, and personal expenses.
Which of Bossley Park and Horsley Park 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: Fairfield rates (OLG and Fairfield 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.