Clyde vs Granville, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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 $193 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, Clyde costs about $2,200 less to run than Granville. That's about $4 a week.
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Granville
Annual cost breakdown
| Category | Clyde | Granville | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,156 | $1,083 | +$73 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $4,797 | $5,063 | -$266 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $2,350 | $2,350 | - |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,851 | $10,044 | -$193 |
| Total (public transport) | $7,440 | $7,367 | +$73 |
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 | Clyde | Granville | 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, Clyde vs Granville (2026-27)
What the numbers show
Clyde and Granville cost within $193 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,212, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $266 per year. Granville is 19 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, $7,440 and $7,367 a year, so the $193 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Granville by $73 a year, $1,083 against $1,156.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Clyde by $266 a year, $4,797 against $5,063.
- Building insurance is identical at $2,350 a year.
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.
The catchment state school scores 7.7 in Clyde against 5.3 in Granville, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Clyde cumulative | Granville cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,851 | $10,044 | $193 |
| Year 3 | $30,448 | $31,045 | $597 |
| Year 5 | $52,300 | $53,325 | $1,025 |
| Year 10 | $112,931 | $115,143 | $2,212 |
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 $9,851 per year versus $10,044 for Granville, a difference of $193 annually. Figures cover council rates, water, commute (ATO 91c/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 $4,797 from Clyde and $5,063 from Granville to Sydney CBD (ATO 91c/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 $112,931 and Granville costs $115,143 over 10 years by car. The cumulative difference is $2,212 in favour of Clyde. Excludes purchase price, mortgage, and personal expenses.
Which of Clyde and Granville suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.