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 $316 a year cheaper than Campbelltown, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,623.
Over 10 years the gap between these two is about $3,600, about $7 a week, and most of it is the AI-estimated insurance line.
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Englorie Park
Annual cost breakdown
| Category | Campbelltown | Englorie Park | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,497 | $1,497 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,954 | $6,888 | +$66 |
| 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) | $11,849 | $11,533 | +$316 |
| Total (public transport) | $7,295 | $7,045 | +$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 | 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
Campbelltown and Englorie Park differ by $316 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 $66, 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, $7,295 from Campbelltown versus $7,045 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 $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 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 | $11,849 | $11,533 | $316 |
| Year 3 | $36,624 | $35,647 | $977 |
| Year 5 | $62,908 | $61,230 | $1,678 |
| Year 10 | $135,836 | $132,213 | $3,623 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Campbelltown or Englorie Park cheaper to live in?
Neither is named cheaper. Campbelltown runs $11,849 a year by car and Englorie Park $11,533, but most of the $316 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $66. 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 $135,836 and Englorie Park costs $132,213 over 10 years by car. The cumulative difference is $3,623 in favour of Englorie Park. Excludes purchase price, mortgage, and personal expenses.
Which of Campbelltown and Englorie Park suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.