Dural vs Middle Dural: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Dural and Middle Dural are both Hornsby rates (OLG suburbs, sitting 25.3 km and 30.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $141 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 →Dural
Middle Dural
Annual cost breakdown
| Category | Dural | Middle Dural | Difference |
|---|---|---|---|
| Council rates | $1,541 | $1,541 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,045 | $6,586 | -$541 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,550 | $2,150 | +$400 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,684 | $11,825 | -$141 |
| Total (public transport) | $8,039 | $7,639 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Dural | Middle Dural | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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 — Dural vs Middle Dural (2026-27)
What the numbers show
Dural and Middle Dural cost within $141 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,616, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $541 per year. Middle Dural is 30.4 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $400 per year, $8,039 from Dural versus $7,639 from Middle Dural.
Where the difference actually comes from
- Council rates is identical at $1,541 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Dural by $541 a year, $6,045 against $6,586.
- Building insurance favours Middle Dural by $400 a year, $2,150 against $2,550.
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.
Fire risk is rated high in Dural against medium in Middle Dural, which feeds the insurance estimate. The catchment state school scores 8.6 in Dural against 6.2 in Middle Dural, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Dural cumulative | Middle Dural cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,684 | $11,825 | $141 |
| Year 3 | $36,114 | $36,550 | $436 |
| Year 5 | $62,032 | $62,781 | $749 |
| Year 10 | $133,944 | $135,560 | $1,616 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Dural or Middle Dural cheaper to live in?
Dural is cheaper to run by car at $11,684 per year versus $11,825 for Middle Dural, a difference of $141 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Dural and Middle Dural?
Annual council rates for a house are $1,541 in Dural (Hornsby rates (OLG) and $1,541 in Middle Dural (Hornsby rates (OLG). Water and sewerage adds $1,548 in Dural and $1,548 in Middle Dural. 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 Dural and Middle Dural?
Annual driving commute costs are $6,045 from Dural and $6,586 from Middle Dural to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Dural and $2,400 from Middle Dural.
What is the 10-year cost difference between Dural and Middle Dural?
At 3% annual cost growth, Dural costs a cumulative $133,944 and Middle Dural costs $135,560 over 10 years by car. The cumulative difference is $1,616 in favour of Dural. Excludes purchase price, mortgage, and personal expenses.
Which of Dural and Middle Dural 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: Hornsby rates (OLG and Hornsby 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.