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 $494 a year cheaper than Horsley Park, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,663.
Over 10 years the gap between these two is about $5,700, about $11 a week, and most of it is the AI-estimated insurance line.
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Horsley Park
Annual cost breakdown
| Category | Bossley Park | Horsley Park | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,030 | $1,030 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,560 | $6,804 | -$244 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $1,850 | -$250 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $10,738 | $11,232 | -$494 |
| Total (public transport) | $6,578 | $6,828 | -$250 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; 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 and Horsley Park differ by $494 a year by car, but $250 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $244, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $6,578 from Bossley Park versus $6,828 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 $250 a year, $1,600 against $1,850.
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 | $10,738 | $11,232 | $494 |
| Year 3 | $33,190 | $34,717 | $1,527 |
| Year 5 | $57,010 | $59,632 | $2,622 |
| Year 10 | $123,099 | $128,762 | $5,663 |
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?
Neither is named cheaper. Bossley Park runs $10,738 a year by car and Horsley Park $11,232, but most of the $494 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $244. 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 $123,099 and Horsley Park costs $128,762 over 10 years by car. The cumulative difference is $5,663 in favour of Bossley Park. Excludes purchase price, mortgage, and personal expenses.
Which of Bossley Park and Horsley Park suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.