Chipping Norton vs Lansdowne, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Chipping Norton (Liverpool rates (OLG) and Lansdowne (Canterbury-Bankstown rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (23.4 km and 21.8 km).
Lansdowne runs $492 a year cheaper than Chipping Norton, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,640.
Over 10 years the gap between these two is about $5,600, about $11 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan → Neither quite right? Find the Sydney suburbs that fit your budget →Chipping Norton
Lansdowne
Annual cost breakdown
| Category | Chipping Norton | Lansdowne | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,377 | -$1 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,785 | $5,542 | +$243 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,350 | $2,100 | +$250 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $11,059 | $10,567 | +$492 |
| Total (public transport) | $7,674 | $7,425 | +$249 |
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 | Chipping Norton | Lansdowne | Difference |
|---|---|---|---|
| House | $2,720 | $2,615 | +$105 |
| Unit | $2,209 | $2,113 | +$96 |
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, Chipping Norton vs Lansdowne (2026-27)
What the numbers show
Chipping Norton and Lansdowne differ by $492 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 $242, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year. Chipping Norton carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $249 per year, $7,674 from Chipping Norton versus $7,425 from Lansdowne.
Where the difference actually comes from
- Council rates favours Chipping Norton by $1 a year, $1,376 against $1,377.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Lansdowne by $243 a year, $5,542 against $5,785.
- Building insurance favours Lansdowne by $250 a year, $2,100 against $2,350.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated high in Chipping Norton against medium in Lansdowne, which feeds the insurance estimate. Fire risk is rated high in Lansdowne against low in Chipping Norton, which feeds the insurance estimate. The catchment state school scores 6.5 in Chipping Norton against 5.2 in Lansdowne, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Chipping Norton cumulative | Lansdowne cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,059 | $10,567 | $492 |
| Year 3 | $34,182 | $32,662 | $1,520 |
| Year 5 | $58,714 | $56,102 | $2,612 |
| Year 10 | $126,779 | $121,139 | $5,640 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Chipping Norton or Lansdowne cheaper to live in?
Neither is named cheaper. Chipping Norton runs $11,059 a year by car and Lansdowne $10,567, but most of the $492 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $242. Source: SuburbCost 2026 data.
What are council rates in Chipping Norton and Lansdowne?
Annual council rates for a house are $1,376 in Chipping Norton (Liverpool rates (OLG) and $1,377 in Lansdowne (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Chipping Norton and $1,548 in Lansdowne. 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 Chipping Norton and Lansdowne?
Annual driving commute costs are $5,785 from Chipping Norton and $5,542 from Lansdowne to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Chipping Norton and $2,400 from Lansdowne.
What is the 10-year cost difference between Chipping Norton and Lansdowne?
At 3% annual cost growth, Chipping Norton costs a cumulative $126,779 and Lansdowne costs $121,139 over 10 years by car. The cumulative difference is $5,640 in favour of Lansdowne. Excludes purchase price, mortgage, and personal expenses.
Which of Chipping Norton and Lansdowne suits you better?
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: Liverpool 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.