Campsie vs Canterbury: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/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 $476 a year cheaper than Canterbury, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,457.
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 →Campsie
Canterbury
Annual cost breakdown
| Category | Campsie | Canterbury | Difference |
|---|---|---|---|
| Council rates | $1,377 | $1,377 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,206 | $3,032 | +$174 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $2,950 | -$650 |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $8,431 | $8,907 | -$476 |
| Total (public transport) | $7,611 | $8,261 | -$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Campsie | Canterbury | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; 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 costs $476 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,457 in favour of Campsie.
The biggest single gap is home insurance at $650 per year. Canterbury carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,611 from Campsie versus $8,261 from Canterbury.
10-year cumulative cost projection
| Year | Campsie cumulative | Canterbury cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,431 | $8,907 | $476 |
| Year 3 | $26,059 | $27,531 | $1,472 |
| Year 5 | $44,761 | $47,288 | $2,527 |
| Year 10 | $96,652 | $102,109 | $5,457 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Campsie or Canterbury cheaper to live in?
Campsie is cheaper to run by car at $8,431 per year versus $8,907 for Canterbury, a difference of $476 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. 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 $3,206 from Campsie and $3,032 from Canterbury to Sydney CBD (ATO 88c/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 $96,652 and Canterbury costs $102,109 over 10 years by car. The cumulative difference is $5,457 in favour of Campsie. Excludes purchase price, mortgage, and personal expenses.
Which of Campsie and Canterbury 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.