Camden Park vs Spring Farm: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Camden Park (Wollondilly rates (OLG) and Spring Farm (Camden rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (50.9 km and 50.2 km).
Spring Farm runs $560 a year cheaper than Camden Park, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $6,420.
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 →Camden Park
Spring Farm
Annual cost breakdown
| Category | Camden Park | Spring Farm | Difference |
|---|---|---|---|
| Council rates | $2,195 | $1,573 | +$622 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,257 | $6,319 | -$62 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,150 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,150 | $11,590 | +$560 |
| Total (public transport) | $8,293 | $7,671 | +$622 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Camden Park | Spring Farm | 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 — Camden Park vs Spring Farm (2026-27)
What the numbers show
Spring Farm costs $560 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,420 in favour of Spring Farm.
The biggest single gap is council rates at $622 per year.
On public transport the gap is $622 per year, $8,293 from Camden Park versus $7,671 from Spring Farm.
10-year cumulative cost projection
| Year | Camden Park cumulative | Spring Farm cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,150 | $11,590 | $560 |
| Year 3 | $37,554 | $35,824 | $1,730 |
| Year 5 | $64,506 | $61,533 | $2,973 |
| Year 10 | $139,286 | $132,866 | $6,420 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Camden Park or Spring Farm cheaper to live in?
Spring Farm is cheaper to run by car at $11,590 per year versus $12,150 for Camden Park, a difference of $560 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Camden Park and Spring Farm?
Annual council rates for a house are $2,195 in Camden Park (Wollondilly rates (OLG) and $1,573 in Spring Farm (Camden rates (OLG). Water and sewerage adds $1,548 in Camden Park and $1,548 in Spring Farm. 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 Camden Park and Spring Farm?
Annual driving commute costs are $6,257 from Camden Park and $6,319 from Spring Farm to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Camden Park and $2,400 from Spring Farm.
What is the 10-year cost difference between Camden Park and Spring Farm?
At 3% annual cost growth, Camden Park costs a cumulative $139,286 and Spring Farm costs $132,866 over 10 years by car. The cumulative difference is $6,420 in favour of Spring Farm. Excludes purchase price, mortgage, and personal expenses.
Which of Camden Park and Spring Farm 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: Wollondilly rates (OLG and Camden 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.