Clydesdale vs Redbournberry: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Clydesdale and Redbournberry are both Singleton rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Redbournberry runs $300 a year cheaper than Clydesdale, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Clydesdale
Redbournberry
Annual cost breakdown
| Category | Clydesdale | Redbournberry | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,150 | +$300 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,291 | $22,991 | +$300 |
| Total (public transport) | $7,491 | $7,191 | +$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clydesdale | Redbournberry | Difference |
|---|---|---|---|
| House | $2,615 | $2,615 | - |
| Unit | $2,113 | $2,113 | - |
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 — Clydesdale vs Redbournberry (2026-27)
What the numbers show
Redbournberry costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of Redbournberry.
The biggest single gap is home insurance at $300 per year. Clydesdale carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $7,491 from Clydesdale versus $7,191 from Redbournberry.
Where the difference actually comes from
- Council rates is identical at $1,341 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Redbournberry by $300 a year, $2,150 against $2,450.
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 the insurance band.
Fire risk is rated medium in Clydesdale against low in Redbournberry, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Clydesdale cumulative | Redbournberry cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,291 | $22,991 | $300 |
| Year 3 | $71,990 | $71,063 | $927 |
| Year 5 | $123,655 | $122,062 | $1,593 |
| Year 10 | $267,005 | $263,566 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clydesdale or Redbournberry cheaper to live in?
Redbournberry is cheaper to run by car at $22,991 per year versus $23,291 for Clydesdale, a difference of $300 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clydesdale and Redbournberry?
Annual council rates for a house are $1,341 in Clydesdale (Singleton rates (OLG) and $1,341 in Redbournberry (Singleton rates (OLG). Water and sewerage adds $1,300 in Clydesdale and $1,300 in Redbournberry. 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 Clydesdale and Redbournberry?
Clydesdale carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Redbournberry carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Public transport costs $2,400 from Clydesdale and $2,400 from Redbournberry.
What is the 10-year cost difference between Clydesdale and Redbournberry?
At 3% annual cost growth, Clydesdale costs a cumulative $267,005 and Redbournberry costs $263,566 over 10 years by car. The cumulative difference is $3,439 in favour of Redbournberry. Excludes purchase price, mortgage, and personal expenses.
Which of Clydesdale and Redbournberry 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: Singleton rates (OLG and Singleton 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.