Camden vs Elderslie, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Camden and Elderslie are both Camden rates (OLG suburbs, sitting 51.8 km and 50.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $132 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 $1,500, about $3 a week, and most of it is the AI-estimated insurance line.
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Elderslie
Annual cost breakdown
| Category | Camden | Elderslie | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,573 | $1,573 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,380 | $6,498 | -$118 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,600 | +$250 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,351 | $11,219 | +$132 |
| Total (public transport) | $7,371 | $7,121 | +$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 | Camden | Elderslie | 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, Camden vs Elderslie (2026-27)
What the numbers show
Camden and Elderslie differ by $132 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 $118, 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, $7,371 from Camden versus $7,121 from Elderslie.
Where the difference actually comes from
- Council rates is identical at $1,573 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Camden by $118 a year, $6,380 against $6,498.
- Building insurance favours Elderslie 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 Camden against low in Elderslie, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Camden cumulative | Elderslie cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,351 | $11,219 | $132 |
| Year 3 | $35,085 | $34,677 | $408 |
| Year 5 | $60,264 | $59,563 | $701 |
| Year 10 | $130,126 | $128,613 | $1,513 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Camden or Elderslie cheaper to live in?
Neither is named cheaper. Camden runs $11,351 a year by car and Elderslie $11,219, but most of the $132 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $118. Source: SuburbCost 2026 data.
What are council rates in Camden and Elderslie?
Annual council rates for a house are $1,573 in Camden (Camden rates (OLG) and $1,573 in Elderslie (Camden rates (OLG). Water and sewerage adds $1,548 in Camden and $1,548 in Elderslie. 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 and Elderslie?
Annual driving commute costs are $6,380 from Camden and $6,498 from Elderslie to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Camden and $2,400 from Elderslie.
What is the 10-year cost difference between Camden and Elderslie?
At 3% annual cost growth, Camden costs a cumulative $130,126 and Elderslie costs $128,613 over 10 years by car. The cumulative difference is $1,513 in favour of Elderslie. Excludes purchase price, mortgage, and personal expenses.
Which of Camden and Elderslie suits you better?
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Sources: Camden rates (OLG and Camden 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.