Campbelltown vs Englorie Park: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Campbelltown and Englorie Park are both Campbelltown rates (OLG suburbs, sitting 42.8 km and 44.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Englorie Park runs $364 a year cheaper than Campbelltown, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,172.
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 →Campbelltown
Englorie Park
Annual cost breakdown
| Category | Campbelltown | Englorie Park | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,725 | $6,661 | +$64 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $1,850 | +$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,920 | $11,556 | +$364 |
| Total (public transport) | $7,595 | $7,295 | +$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Campbelltown | Englorie Park | 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 — Campbelltown vs Englorie Park (2026-27)
What the numbers show
Englorie Park costs $364 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,172 in favour of Englorie Park.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,595 from Campbelltown versus $7,295 from Englorie Park.
10-year cumulative cost projection
| Year | Campbelltown cumulative | Englorie Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,920 | $11,556 | $364 |
| Year 3 | $36,844 | $35,718 | $1,126 |
| Year 5 | $63,285 | $61,352 | $1,933 |
| Year 10 | $136,649 | $132,477 | $4,172 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Campbelltown or Englorie Park cheaper to live in?
Englorie Park is cheaper to run by car at $11,556 per year versus $11,920 for Campbelltown, a difference of $364 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Campbelltown and Englorie Park?
Annual council rates for a house are $1,497 in Campbelltown (Campbelltown rates (OLG) and $1,497 in Englorie Park (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Campbelltown and $1,548 in Englorie Park. 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 Campbelltown and Englorie Park?
Annual driving commute costs are $6,725 from Campbelltown and $6,661 from Englorie Park to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Campbelltown and $2,400 from Englorie Park.
What is the 10-year cost difference between Campbelltown and Englorie Park?
At 3% annual cost growth, Campbelltown costs a cumulative $136,649 and Englorie Park costs $132,477 over 10 years by car. The cumulative difference is $4,172 in favour of Englorie Park. Excludes purchase price, mortgage, and personal expenses.
Which of Campbelltown and Englorie Park 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: Campbelltown rates (OLG and Campbelltown 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.