Campsie vs Canterbury, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Campsie and Canterbury are both Canterbury-Bankstown rates (OLG suburbs, sitting 11 km and 10.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Campsie runs $320 a year cheaper than Canterbury, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,668.
Over 10 years the gap between these two is about $3,700, about $7 a week, and most of it is the AI-estimated insurance line.
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Canterbury
Annual cost breakdown
| Category | Campsie | Canterbury | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,377 | $1,377 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,315 | $3,135 | +$180 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $8,090 | $8,410 | -$320 |
| Total (public transport) | $7,161 | $7,661 | -$500 |
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 | Campsie | Canterbury | 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, Campsie vs Canterbury (2026-27)
What the numbers show
Campsie and Canterbury differ by $320 a year by car, but $500 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 $180, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Canterbury carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $500 per year, $7,161 from Campsie versus $7,661 from Canterbury.
Where the difference actually comes from
- Council rates is identical at $1,377 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Canterbury by $180 a year, $3,135 against $3,315.
- Building insurance favours Campsie by $500 a year, $1,850 against $2,350.
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.
Flood risk is rated high in Canterbury against medium in Campsie, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Campsie cumulative | Canterbury cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,090 | $8,410 | $320 |
| Year 3 | $25,005 | $25,994 | $989 |
| Year 5 | $42,951 | $44,650 | $1,699 |
| Year 10 | $92,743 | $96,411 | $3,668 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Campsie or Canterbury cheaper to live in?
Neither is named cheaper. Campsie runs $8,090 a year by car and Canterbury $8,410, but most of the $320 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $180. Source: SuburbCost 2026 data.
What are council rates in Campsie and Canterbury?
Annual council rates for a house are $1,377 in Campsie (Canterbury-Bankstown rates (OLG) and $1,377 in Canterbury (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Campsie and $1,548 in Canterbury. 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 Campsie and Canterbury?
Annual driving commute costs are $3,315 from Campsie and $3,135 from Canterbury to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Campsie and $2,386 from Canterbury.
What is the 10-year cost difference between Campsie and Canterbury?
At 3% annual cost growth, Campsie costs a cumulative $92,743 and Canterbury costs $96,411 over 10 years by car. The cumulative difference is $3,668 in favour of Campsie. Excludes purchase price, mortgage, and personal expenses.
Which of Campsie and Canterbury suits you better?
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Related comparisons
Sources: Canterbury-Bankstown rates (OLG and Canterbury-Bankstown 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.