Cobbitty vs Theresa Park: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Cobbitty and Theresa Park are both Wollondilly rates (OLG suburbs, sitting 52.1 km and 54.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $143 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 →Cobbitty
Theresa Park
Annual cost breakdown
| Category | Cobbitty | Theresa Park | Difference |
|---|---|---|---|
| Council rates | $2,195 | $2,195 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,140 | $5,833 | +$307 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,600 | -$450 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,033 | $12,176 | -$143 |
| Total (public transport) | $8,293 | $8,743 | -$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cobbitty | Theresa Park | 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 — Cobbitty vs Theresa Park (2026-27)
What the numbers show
Cobbitty and Theresa Park cost within $143 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,639, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $450 per year. Theresa Park carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $8,293 from Cobbitty versus $8,743 from Theresa Park.
10-year cumulative cost projection
| Year | Cobbitty cumulative | Theresa Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,033 | $12,176 | $143 |
| Year 3 | $37,193 | $37,635 | $442 |
| Year 5 | $63,885 | $64,644 | $759 |
| Year 10 | $137,945 | $139,584 | $1,639 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cobbitty or Theresa Park cheaper to live in?
Cobbitty is cheaper to run by car at $12,033 per year versus $12,176 for Theresa Park, a difference of $143 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cobbitty and Theresa Park?
Annual council rates for a house are $2,195 in Cobbitty (Wollondilly rates (OLG) and $2,195 in Theresa Park (Wollondilly rates (OLG). Water and sewerage adds $1,548 in Cobbitty and $1,548 in Theresa 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 Cobbitty and Theresa Park?
Annual driving commute costs are $6,140 from Cobbitty and $5,833 from Theresa Park to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Cobbitty and $2,400 from Theresa Park.
What is the 10-year cost difference between Cobbitty and Theresa Park?
At 3% annual cost growth, Cobbitty costs a cumulative $137,945 and Theresa Park costs $139,584 over 10 years by car. The cumulative difference is $1,639 in favour of Cobbitty. Excludes purchase price, mortgage, and personal expenses.
Which of Cobbitty and Theresa 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: Wollondilly rates (OLG and Wollondilly 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.