Colyton vs Eastern Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Colyton (Penrith rates (OLG) and Eastern Creek (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (38.7 km and 36.2 km).
The two sit within $298 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 →Colyton
Eastern Creek
Annual cost breakdown
| Category | Colyton | Eastern Creek | Difference |
|---|---|---|---|
| Council rates | $1,604 | $1,360 | +$244 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,751 | $6,697 | +$54 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,753 | $11,455 | +$298 |
| Total (public transport) | $7,402 | $7,158 | +$244 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Colyton | Eastern Creek | 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 — Colyton vs Eastern Creek (2026-27)
What the numbers show
Colyton and Eastern Creek cost within $298 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,416, making running cost a minor factor in the decision.
The biggest single gap is council rates at $244 per year.
On public transport the gap is $244 per year, $7,402 from Colyton versus $7,158 from Eastern Creek.
10-year cumulative cost projection
| Year | Colyton cumulative | Eastern Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,753 | $11,455 | $298 |
| Year 3 | $36,327 | $35,406 | $921 |
| Year 5 | $62,398 | $60,816 | $1,582 |
| Year 10 | $134,735 | $131,319 | $3,416 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Colyton or Eastern Creek cheaper to live in?
Eastern Creek is cheaper to run by car at $11,455 per year versus $11,753 for Colyton, a difference of $298 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Colyton and Eastern Creek?
Annual council rates for a house are $1,604 in Colyton (Penrith rates (OLG) and $1,360 in Eastern Creek (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Colyton and $1,548 in Eastern Creek. 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 Colyton and Eastern Creek?
Annual driving commute costs are $6,751 from Colyton and $6,697 from Eastern Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Colyton and $2,400 from Eastern Creek.
What is the 10-year cost difference between Colyton and Eastern Creek?
At 3% annual cost growth, Colyton costs a cumulative $134,735 and Eastern Creek costs $131,319 over 10 years by car. The cumulative difference is $3,416 in favour of Eastern Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Colyton and Eastern Creek 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: Penrith rates (OLG and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for 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.