Cambridge Gardens vs Werrington Downs: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Cambridge Gardens and Werrington Downs are both Penrith rates (OLG suburbs, sitting 47.3 km and 46.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $65 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 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 →Cambridge Gardens
Werrington Downs
Annual cost breakdown
| Category | Cambridge Gardens | Werrington Downs | Difference |
|---|---|---|---|
| Council rates | $1,604 | $1,604 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,756 | $6,821 | -$65 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,758 | $11,823 | -$65 |
| Total (public transport) | $7,402 | $7,402 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cambridge Gardens | Werrington Downs | 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 — Cambridge Gardens vs Werrington Downs (2026-27)
What the numbers show
Cambridge Gardens and Werrington Downs cost within $65 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $745, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $65 per year. Cambridge Gardens is 47.3 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,402 and $7,402 a year, so the $65 driving gap nearly closes if you commute by public transport.
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 Cambridge Gardens by $65 a year, $6,756 against $6,821.
- Building insurance is identical at $1,850 a year.
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.
10-year cumulative cost projection
| Year | Cambridge Gardens cumulative | Werrington Downs cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,758 | $11,823 | $65 |
| Year 3 | $36,343 | $36,544 | $201 |
| Year 5 | $62,425 | $62,770 | $345 |
| Year 10 | $134,792 | $135,537 | $745 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cambridge Gardens or Werrington Downs cheaper to live in?
Cambridge Gardens is cheaper to run by car at $11,758 per year versus $11,823 for Werrington Downs, a difference of $65 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cambridge Gardens and Werrington Downs?
Annual council rates for a house are $1,604 in Cambridge Gardens (Penrith rates (OLG) and $1,604 in Werrington Downs (Penrith rates (OLG). Water and sewerage adds $1,548 in Cambridge Gardens and $1,548 in Werrington Downs. 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 Cambridge Gardens and Werrington Downs?
Annual driving commute costs are $6,756 from Cambridge Gardens and $6,821 from Werrington Downs to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Cambridge Gardens and $2,400 from Werrington Downs.
What is the 10-year cost difference between Cambridge Gardens and Werrington Downs?
At 3% annual cost growth, Cambridge Gardens costs a cumulative $134,792 and Werrington Downs costs $135,537 over 10 years by car. The cumulative difference is $745 in favour of Cambridge Gardens. Excludes purchase price, mortgage, and personal expenses.
Which of Cambridge Gardens and Werrington Downs 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.