Clyde vs Granville: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Clyde (Parramatta rates (OLG) and Granville (Cumberland rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (17.6 km and 19 km).
The two sit within $184 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 →Clyde
Granville
Annual cost breakdown
| Category | Clyde | Granville | Difference |
|---|---|---|---|
| Council rates | $1,156 | $1,083 | +$73 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,639 | $4,896 | -$257 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,293 | $10,477 | -$184 |
| Total (public transport) | $8,040 | $7,967 | +$73 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clyde | Granville | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Clyde vs Granville (2026-27)
What the numbers show
Clyde and Granville cost within $184 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,109, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $257 per year. Granville is 19 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,040 and $7,967 a year, so the $184 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Clyde cumulative | Granville cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,293 | $10,477 | $184 |
| Year 3 | $31,815 | $32,383 | $568 |
| Year 5 | $54,647 | $55,624 | $977 |
| Year 10 | $117,998 | $120,107 | $2,109 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clyde or Granville cheaper to live in?
Clyde is cheaper to run by car at $10,293 per year versus $10,477 for Granville, a difference of $184 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clyde and Granville?
Annual council rates for a house are $1,156 in Clyde (Parramatta rates (OLG) and $1,083 in Granville (Cumberland rates (OLG). Water and sewerage adds $1,548 in Clyde and $1,548 in Granville. 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 Clyde and Granville?
Annual driving commute costs are $4,639 from Clyde and $4,896 from Granville to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Clyde and $2,386 from Granville.
What is the 10-year cost difference between Clyde and Granville?
At 3% annual cost growth, Clyde costs a cumulative $117,998 and Granville costs $120,107 over 10 years by car. The cumulative difference is $2,109 in favour of Clyde. Excludes purchase price, mortgage, and personal expenses.
Which of Clyde and Granville 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: Parramatta rates (OLG and Cumberland rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.