Clyde vs Harris Park: 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 and Harris Park are both Parramatta rates (OLG suburbs, sitting 17.6 km and 19.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Harris Park runs $367 a year cheaper than Clyde, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,207.
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
Harris Park
Annual cost breakdown
| Category | Clyde | Harris Park | Difference |
|---|---|---|---|
| Council rates | $1,156 | $1,156 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,797 | $5,080 | -$283 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,950 | $2,300 | +$650 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,451 | $10,084 | +$367 |
| Total (public transport) | $8,040 | $7,390 | +$650 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clyde | Harris Park | 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 Harris Park (2026-27)
What the numbers show
Harris Park costs $367 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,207 in favour of Harris Park.
The biggest single gap is home insurance at $650 per year. Clyde carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,040 from Clyde versus $7,390 from Harris Park.
Where the difference actually comes from
- Council rates is identical at $1,156 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Clyde by $283 a year, $4,797 against $5,080.
- Building insurance favours Harris Park by $650 a year, $2,300 against $2,950.
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.
Flood risk is rated high in Clyde against medium in Harris Park, which feeds the insurance estimate. The catchment state school scores 9.4 in Harris Park against 7.7 in Clyde, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Clyde cumulative | Harris Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,451 | $10,084 | $367 |
| Year 3 | $32,303 | $31,169 | $1,134 |
| Year 5 | $55,486 | $53,537 | $1,949 |
| Year 10 | $119,809 | $115,602 | $4,207 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clyde or Harris Park cheaper to live in?
Harris Park is cheaper to run by car at $10,084 per year versus $10,451 for Clyde, a difference of $367 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clyde and Harris Park?
Annual council rates for a house are $1,156 in Clyde (Parramatta rates (OLG) and $1,156 in Harris Park (Parramatta rates (OLG). Water and sewerage adds $1,548 in Clyde and $1,548 in Harris Park. 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 Harris Park?
Annual driving commute costs are $4,797 from Clyde and $5,080 from Harris Park to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Clyde and $2,386 from Harris Park.
What is the 10-year cost difference between Clyde and Harris Park?
At 3% annual cost growth, Clyde costs a cumulative $119,809 and Harris Park costs $115,602 over 10 years by car. The cumulative difference is $4,207 in favour of Harris Park. Excludes purchase price, mortgage, and personal expenses.
Which of Clyde and Harris Park 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 Parramatta rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.