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 $452 a year cheaper than Stanmore, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $5,182.
Over 10 years the gap between these two is about $5,200, about $10 a week, and most of it is the AI-estimated insurance line.
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Stanmore
Annual cost breakdown
| Category | Camperdown | Stanmore | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $924 | $1,401 | -$477 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $1,202 | $1,577 | -$375 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $1,450 | +$400 |
| Body corporate (unit) Estimated | $3,500 | $3,500 | - |
| Total (driving) | $5,524 | $5,976 | -$452 |
| Total (public transport) | $6,242 | $6,319 | -$77 |
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 | 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 and Stanmore differ by $452 a year by car, but $400 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 $852, so neither suburb is named cheaper here.
The biggest single gap is council rates at $477 per year.
On public transport the two suburbs cost almost the same, $6,242 and $6,319 a year, so the $452 driving gap nearly closes if you commute by public transport.
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 favours Stanmore by $400 a year, $1,450 against $1,850.
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 | $5,524 | $5,976 | $452 |
| Year 3 | $17,074 | $18,471 | $1,397 |
| Year 5 | $29,328 | $31,727 | $2,399 |
| Year 10 | $63,326 | $68,508 | $5,182 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Camperdown or Stanmore cheaper to live in?
Neither is named cheaper. Camperdown runs $5,524 a year by car and Stanmore $5,976, but most of the $452 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $852. 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 $63,326 and Stanmore costs $68,508 over 10 years by car. The cumulative difference is $5,182 in favour of Camperdown. Excludes purchase price, mortgage, and personal expenses.
Which of Camperdown and Stanmore suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.