Campbelltown vs Englorie Park: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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 $366 a year cheaper than Campbelltown, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,196.
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) | $6,954 | $6,888 | +$66 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $1,850 | +$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,149 | $11,783 | +$366 |
| Total (public transport) | $7,595 | $7,295 | +$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Campbelltown | Englorie Park | Difference |
|---|---|---|---|
| House | $2,720 | $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 — Campbelltown vs Englorie Park (2026-27)
What the numbers show
Englorie Park costs $366 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,196 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.
Where the difference actually comes from
- Council rates is identical at $1,497 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Englorie Park by $66 a year, $6,888 against $6,954.
- Building insurance favours Englorie Park by $300 a year, $1,850 against $2,150.
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 Campbelltown against low in Englorie Park, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Campbelltown cumulative | Englorie Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,149 | $11,783 | $366 |
| Year 3 | $37,551 | $36,420 | $1,131 |
| Year 5 | $64,501 | $62,558 | $1,943 |
| Year 10 | $139,275 | $135,079 | $4,196 |
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 $11,783 per year versus $12,149 for Campbelltown, a difference of $366 annually. Figures cover council rates, water, commute (ATO 91c/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 $6,954 from Campbelltown and $6,888 from Englorie Park to Sydney CBD (ATO 91c/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 $139,275 and Englorie Park costs $135,079 over 10 years by car. The cumulative difference is $4,196 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.