Campsie vs Clemton 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
Campsie and Clemton Park are both Canterbury-Bankstown rates (OLG suburbs, sitting 11 km and 11.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $150 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years, Campsie costs about $1,700 less to run than Clemton Park. That's about $3 a week.
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Clemton Park
Annual cost breakdown
| Category | Campsie | Clemton Park | 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 | $3,465 | -$150 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $8,090 | $8,240 | -$150 |
| Total (public transport) | $7,161 | $7,161 | - |
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 | Clemton Park | 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 Clemton Park (2026-27)
What the numbers show
Campsie and Clemton Park cost within $150 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,719, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $150 per year. Clemton Park is 11.6 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,161 and $7,161 a year, so the $150 driving gap nearly closes if you commute by public transport.
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 Campsie by $150 a year, $3,315 against $3,465.
- Building insurance is identical at $1,850 a year.
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.
10-year cumulative cost projection
| Year | Campsie cumulative | Clemton Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,090 | $8,240 | $150 |
| Year 3 | $25,005 | $25,469 | $464 |
| Year 5 | $42,951 | $43,747 | $796 |
| Year 10 | $92,743 | $94,462 | $1,719 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Campsie or Clemton Park cheaper to live in?
Campsie is cheaper to run by car at $8,090 per year versus $8,240 for Clemton Park, a difference of $150 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Campsie and Clemton Park?
Annual council rates for a house are $1,377 in Campsie (Canterbury-Bankstown rates (OLG) and $1,377 in Clemton Park (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Campsie and $1,548 in Clemton 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 Campsie and Clemton Park?
Annual driving commute costs are $3,315 from Campsie and $3,465 from Clemton Park to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Campsie and $2,386 from Clemton Park.
What is the 10-year cost difference between Campsie and Clemton Park?
At 3% annual cost growth, Campsie costs a cumulative $92,743 and Clemton Park costs $94,462 over 10 years by car. The cumulative difference is $1,719 in favour of Campsie. Excludes purchase price, mortgage, and personal expenses.
Which of Campsie and Clemton Park 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.