Bungarribee vs Rooty Hill, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bungarribee and Rooty Hill are both Blacktown City Council rates (IPART approved SRV, 11.54% adopted for suburbs, sitting 33.4 km and 34.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $222 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 the gap between these two is about $2,500, about $5 a week, and most of it is the AI-estimated insurance line.
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Rooty Hill
Annual cost breakdown
| Category | Bungarribee | Rooty Hill | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,360 | $1,360 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,798 | $6,876 | -$78 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,150 | $1,850 | +$300 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,856 | $11,634 | +$222 |
| Total (public transport) | $7,458 | $7,158 | +$300 |
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 | Bungarribee | Rooty Hill | 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, Bungarribee vs Rooty Hill (2026-27)
What the numbers show
Bungarribee and Rooty Hill differ by $222 a year by car, but $300 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 $78, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,458 from Bungarribee versus $7,158 from Rooty Hill.
Where the difference actually comes from
- Council rates is identical at $1,360 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bungarribee by $78 a year, $6,798 against $6,876.
- Building insurance favours Rooty Hill 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 Bungarribee against low in Rooty Hill, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bungarribee cumulative | Rooty Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,856 | $11,634 | $222 |
| Year 3 | $36,646 | $35,960 | $686 |
| Year 5 | $62,945 | $61,766 | $1,179 |
| Year 10 | $135,916 | $133,371 | $2,545 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bungarribee or Rooty Hill cheaper to live in?
Neither is named cheaper. Bungarribee runs $11,856 a year by car and Rooty Hill $11,634, but most of the $222 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $78. Source: SuburbCost 2026 data.
What are council rates in Bungarribee and Rooty Hill?
Annual council rates for a house are $1,360 in Bungarribee (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) and $1,360 in Rooty Hill (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Bungarribee and $1,548 in Rooty Hill. 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 Bungarribee and Rooty Hill?
Annual driving commute costs are $6,798 from Bungarribee and $6,876 from Rooty Hill to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bungarribee and $2,400 from Rooty Hill.
What is the 10-year cost difference between Bungarribee and Rooty Hill?
At 3% annual cost growth, Bungarribee costs a cumulative $135,916 and Rooty Hill costs $133,371 over 10 years by car. The cumulative difference is $2,545 in favour of Rooty Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Bungarribee and Rooty Hill suits you better?
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Sources: Blacktown City Council rates (IPART approved SRV, 11.54% adopted for and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for 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.