Busby vs Sadleir: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Busby and Sadleir are both Liverpool rates (OLG suburbs, sitting 30.6 km and 29.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Busby runs $384 a year cheaper than Sadleir, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,403.
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 →Busby
Sadleir
Annual cost breakdown
| Category | Busby | Sadleir | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,376 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,385 | $6,319 | +$66 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,300 | -$450 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,159 | $11,543 | -$384 |
| Total (public transport) | $7,174 | $7,624 | -$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Busby | Sadleir | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Busby vs Sadleir (2026-27)
What the numbers show
Busby costs $384 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,403 in favour of Busby.
The biggest single gap is home insurance at $450 per year. Sadleir carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,174 from Busby versus $7,624 from Sadleir.
10-year cumulative cost projection
| Year | Busby cumulative | Sadleir cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,159 | $11,543 | $384 |
| Year 3 | $34,491 | $35,678 | $1,187 |
| Year 5 | $59,245 | $61,283 | $2,038 |
| Year 10 | $127,925 | $132,328 | $4,403 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Busby or Sadleir cheaper to live in?
Busby is cheaper to run by car at $11,159 per year versus $11,543 for Sadleir, a difference of $384 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Busby and Sadleir?
Annual council rates for a house are $1,376 in Busby (Liverpool rates (OLG) and $1,376 in Sadleir (Liverpool rates (OLG). Water and sewerage adds $1,548 in Busby and $1,548 in Sadleir. 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 Busby and Sadleir?
Annual driving commute costs are $6,385 from Busby and $6,319 from Sadleir to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Busby and $2,400 from Sadleir.
What is the 10-year cost difference between Busby and Sadleir?
At 3% annual cost growth, Busby costs a cumulative $127,925 and Sadleir costs $132,328 over 10 years by car. The cumulative difference is $4,403 in favour of Busby. Excludes purchase price, mortgage, and personal expenses.
Which of Busby and Sadleir 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: Liverpool rates (OLG and Liverpool 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.