Camperdown vs Stanmore: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Camperdown (Sydney rates (OLG) and Stanmore (Inner West rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (3.6 km and 4.8 km).
Camperdown runs $852 a year cheaper than Stanmore, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $9,767.
Over 10 years, Camperdown costs about $9,800 less to run than Stanmore — the same as paying $9,800 less for the home. It's the cost no listing shows you.
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Stanmore
Annual cost breakdown
| Category | Camperdown | Stanmore | Difference |
|---|---|---|---|
| Council rates | $924 | $1,401 | -$477 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $1,202 | $1,577 | -$375 |
| Commute (public transport) | $1,920 | $1,920 | - |
| Home insurance | $2,300 | $2,300 | - |
| Body corporate (unit) | $3,500 | $3,500 | - |
| Total (driving) | $5,974 | $6,826 | -$852 |
| Total (public transport) | $6,692 | $7,169 | -$477 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Camperdown | Stanmore | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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 — Camperdown vs Stanmore (2026-27)
What the numbers show
Camperdown costs $852 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,767 in favour of Camperdown.
The biggest single gap is council rates at $477 per year.
On public transport the gap is $477 per year, $6,692 from Camperdown versus $7,169 from Stanmore.
Where the difference actually comes from
- Council rates favours Camperdown by $477 a year, $924 against $1,401.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Camperdown by $375 a year, $1,202 against $1,577.
- Building insurance is identical at $2,300 a year.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
10-year cumulative cost projection
| Year | Camperdown cumulative | Stanmore cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,974 | $6,826 | $852 |
| Year 3 | $18,465 | $21,098 | $2,633 |
| Year 5 | $31,717 | $36,240 | $4,523 |
| Year 10 | $68,485 | $78,252 | $9,767 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Camperdown or Stanmore cheaper to live in?
Camperdown is cheaper to run by car at $5,974 per year versus $6,826 for Stanmore, a difference of $852 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Camperdown and Stanmore?
Annual council rates for a house are $924 in Camperdown (Sydney rates (OLG) and $1,401 in Stanmore (Inner West rates (OLG). Water and sewerage adds $1,548 in Camperdown and $1,548 in Stanmore. 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 Camperdown and Stanmore?
Annual driving commute costs are $1,202 from Camperdown and $1,577 from Stanmore to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Camperdown and $1,920 from Stanmore.
What is the 10-year cost difference between Camperdown and Stanmore?
At 3% annual cost growth, Camperdown costs a cumulative $68,485 and Stanmore costs $78,252 over 10 years by car. The cumulative difference is $9,767 in favour of Camperdown. Excludes purchase price, mortgage, and personal expenses.
Which of Camperdown and Stanmore 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.
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Sources: Sydney rates (OLG and Inner West 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.