Cartwright vs Sadleir, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Cartwright and Sadleir are both Liverpool rates (OLG suburbs, sitting 30.4 km and 29.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $48 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.
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Sadleir
Annual cost breakdown
| Category | Cartwright | Sadleir | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,376 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,586 | $6,534 | +$52 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,950 | -$100 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,360 | $11,408 | -$48 |
| Total (public transport) | $7,174 | $7,274 | -$100 |
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 | Cartwright | Sadleir | 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, Cartwright vs Sadleir (2026-27)
What the numbers show
Cartwright and Sadleir cost within $48 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $550, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $100 per year. Sadleir carries medium flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,174 and $7,274 a year, so the $48 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,376 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Sadleir by $52 a year, $6,534 against $6,586.
- Building insurance favours Cartwright by $100 a year, $1,850 against $1,950.
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.
10-year cumulative cost projection
| Year | Cartwright cumulative | Sadleir cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,360 | $11,408 | $48 |
| Year 3 | $35,113 | $35,261 | $148 |
| Year 5 | $60,312 | $60,567 | $255 |
| Year 10 | $130,230 | $130,780 | $550 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cartwright or Sadleir cheaper to live in?
Cartwright is cheaper to run by car at $11,360 per year versus $11,408 for Sadleir, a difference of $48 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cartwright and Sadleir?
Annual council rates for a house are $1,376 in Cartwright (Liverpool rates (OLG) and $1,376 in Sadleir (Liverpool rates (OLG). Water and sewerage adds $1,548 in Cartwright and $1,548 in Sadleir. 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 Cartwright and Sadleir?
Annual driving commute costs are $6,586 from Cartwright and $6,534 from Sadleir to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Cartwright and $2,400 from Sadleir.
What is the 10-year cost difference between Cartwright and Sadleir?
At 3% annual cost growth, Cartwright costs a cumulative $130,230 and Sadleir costs $130,780 over 10 years by car. The cumulative difference is $550 in favour of Cartwright. Excludes purchase price, mortgage, and personal expenses.
Which of Cartwright and Sadleir suits you better?
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Sources: Liverpool rates (OLG and Liverpool 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.