Canley Vale vs Carramar: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Canley Vale and Carramar are both Fairfield rates (OLG suburbs, sitting 24 km and 22.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $190 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 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 →Canley Vale
Carramar
Annual cost breakdown
| Category | Canley Vale | Carramar | Difference |
|---|---|---|---|
| Council rates | $1,030 | $1,030 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,871 | $5,681 | +$190 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $11,399 | $11,209 | +$190 |
| Total (public transport) | $7,928 | $7,928 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Canley Vale | Carramar | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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 — Canley Vale vs Carramar (2026-27)
What the numbers show
Canley Vale and Carramar cost within $190 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,178, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $190 per year. Canley Vale is 24 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, $7,928 and $7,928 a year, so the $190 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,030 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Carramar by $190 a year, $5,681 against $5,871.
- Building insurance is identical at $2,950 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 | Canley Vale cumulative | Carramar cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,399 | $11,209 | $190 |
| Year 3 | $35,233 | $34,646 | $587 |
| Year 5 | $60,519 | $59,510 | $1,009 |
| Year 10 | $130,677 | $128,499 | $2,178 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Canley Vale or Carramar cheaper to live in?
Carramar is cheaper to run by car at $11,209 per year versus $11,399 for Canley Vale, a difference of $190 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Canley Vale and Carramar?
Annual council rates for a house are $1,030 in Canley Vale (Fairfield rates (OLG) and $1,030 in Carramar (Fairfield rates (OLG). Water and sewerage adds $1,548 in Canley Vale and $1,548 in Carramar. 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 Canley Vale and Carramar?
Annual driving commute costs are $5,871 from Canley Vale and $5,681 from Carramar to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Canley Vale and $2,400 from Carramar.
What is the 10-year cost difference between Canley Vale and Carramar?
At 3% annual cost growth, Canley Vale costs a cumulative $130,677 and Carramar costs $128,499 over 10 years by car. The cumulative difference is $2,178 in favour of Carramar. Excludes purchase price, mortgage, and personal expenses.
Which of Canley Vale and Carramar 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: Fairfield rates (OLG and Fairfield 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.