Clydesdale vs Sedgefield: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Clydesdale and Sedgefield are both Singleton rates (OLG suburbs, sitting 144.3 km and 146.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Clydesdale runs $400 a year cheaper than Sedgefield, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
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
Sedgefield
Annual cost breakdown
| Category | Clydesdale | Sedgefield | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,850 | -$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,691 | $23,091 | -$400 |
| Total (public transport) | $7,491 | $7,891 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clydesdale | Sedgefield | 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 — Clydesdale vs Sedgefield (2026-27)
What the numbers show
Clydesdale costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Clydesdale.
The biggest single gap is home insurance at $400 per year. Sedgefield carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $7,491 from Clydesdale versus $7,891 from Sedgefield.
10-year cumulative cost projection
| Year | Clydesdale cumulative | Sedgefield cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,691 | $23,091 | $400 |
| Year 3 | $70,136 | $71,372 | $1,236 |
| Year 5 | $120,470 | $122,593 | $2,123 |
| Year 10 | $260,127 | $264,712 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clydesdale or Sedgefield cheaper to live in?
Clydesdale is cheaper to run by car at $22,691 per year versus $23,091 for Sedgefield, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clydesdale and Sedgefield?
Annual council rates for a house are $1,341 in Clydesdale (Singleton rates (OLG) and $1,341 in Sedgefield (Singleton rates (OLG). Water and sewerage adds $1,300 in Clydesdale and $1,300 in Sedgefield. 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 Sedgefield?
Annual driving commute costs are $17,600 from Clydesdale and $17,600 from Sedgefield to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Clydesdale and $2,400 from Sedgefield.
What is the 10-year cost difference between Clydesdale and Sedgefield?
At 3% annual cost growth, Clydesdale costs a cumulative $260,127 and Sedgefield costs $264,712 over 10 years by car. The cumulative difference is $4,585 in favour of Clydesdale. Excludes purchase price, mortgage, and personal expenses.
Which of Clydesdale and Sedgefield 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.