Cecil Park vs Kemps Creek, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Cecil Park and Kemps Creek are both Liverpool rates (OLG suburbs, sitting 36.5 km and 39.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $198 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 the gap between these two is about $2,300, about $4 a week, and most of it is the AI-estimated insurance line.
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Kemps Creek
Annual cost breakdown
| Category | Cecil Park | Kemps Creek | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,376 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,936 | $6,988 | -$52 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,600 | +$250 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,710 | $11,512 | +$198 |
| Total (public transport) | $7,174 | $6,924 | +$250 |
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 | Cecil Park | Kemps Creek | 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, Cecil Park vs Kemps Creek (2026-27)
What the numbers show
Cecil Park and Kemps Creek differ by $198 a year by car, but $250 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 $52, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $7,174 from Cecil Park versus $6,924 from Kemps Creek.
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 Cecil Park by $52 a year, $6,936 against $6,988.
- Building insurance favours Kemps Creek by $250 a year, $1,600 against $1,850.
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.
Fire risk is rated medium in Cecil Park against low in Kemps Creek, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Cecil Park cumulative | Kemps Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,710 | $11,512 | $198 |
| Year 3 | $36,194 | $35,582 | $612 |
| Year 5 | $62,170 | $61,119 | $1,051 |
| Year 10 | $134,242 | $131,972 | $2,270 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cecil Park or Kemps Creek cheaper to live in?
Neither is named cheaper. Cecil Park runs $11,710 a year by car and Kemps Creek $11,512, but most of the $198 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $52. Source: SuburbCost 2026 data.
What are council rates in Cecil Park and Kemps Creek?
Annual council rates for a house are $1,376 in Cecil Park (Liverpool rates (OLG) and $1,376 in Kemps Creek (Liverpool rates (OLG). Water and sewerage adds $1,548 in Cecil Park and $1,548 in Kemps Creek. 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 Cecil Park and Kemps Creek?
Annual driving commute costs are $6,936 from Cecil Park and $6,988 from Kemps Creek to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Cecil Park and $2,400 from Kemps Creek.
What is the 10-year cost difference between Cecil Park and Kemps Creek?
At 3% annual cost growth, Cecil Park costs a cumulative $134,242 and Kemps Creek costs $131,972 over 10 years by car. The cumulative difference is $2,270 in favour of Kemps Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Cecil Park and Kemps Creek suits you better?
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Related comparisons
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.