Fitzgeralds Mount vs Kings Plains: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Fitzgeralds Mount (Bathurst Regional rates (OLG) and Kings Plains (Blayney rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (174.8 km and 178.7 km).
Kings Plains runs $772 a year cheaper than Fitzgeralds Mount, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,850.
Over 10 years, Kings Plains costs about $8,900 less to run than Fitzgeralds Mount — the same as paying $8,900 less for the home. It's the cost no listing shows you.
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Kings Plains
Annual cost breakdown
| Category | Fitzgeralds Mount | Kings Plains | Difference |
|---|---|---|---|
| Council rates | $1,341 | $969 | +$372 |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,641 | $21,869 | +$772 |
| Total (public transport) | $7,441 | $6,669 | +$772 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Fitzgeralds Mount | Kings Plains | Difference |
|---|---|---|---|
| House | $2,554 | $2,554 | - |
| Unit | $2,020 | $2,020 | - |
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 — Fitzgeralds Mount vs Kings Plains (2026-27)
What the numbers show
Kings Plains costs $772 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,850 in favour of Kings Plains.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $772 per year, $7,441 from Fitzgeralds Mount versus $6,669 from Kings Plains.
10-year cumulative cost projection
| Year | Fitzgeralds Mount cumulative | Kings Plains cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,641 | $21,869 | $772 |
| Year 3 | $69,981 | $67,595 | $2,386 |
| Year 5 | $120,204 | $116,105 | $4,099 |
| Year 10 | $259,554 | $250,704 | $8,850 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Fitzgeralds Mount or Kings Plains cheaper to live in?
Kings Plains is cheaper to run by car at $21,869 per year versus $22,641 for Fitzgeralds Mount, a difference of $772 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Fitzgeralds Mount and Kings Plains?
Annual council rates for a house are $1,341 in Fitzgeralds Mount (Bathurst Regional rates (OLG) and $969 in Kings Plains (Blayney rates (OLG). Water and sewerage adds $1,300 in Fitzgeralds Mount and $1,300 in Kings Plains. 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 Fitzgeralds Mount and Kings Plains?
Annual driving commute costs are $17,600 from Fitzgeralds Mount and $17,600 from Kings Plains to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Fitzgeralds Mount and $2,400 from Kings Plains.
What is the 10-year cost difference between Fitzgeralds Mount and Kings Plains?
At 3% annual cost growth, Fitzgeralds Mount costs a cumulative $259,554 and Kings Plains costs $250,704 over 10 years by car. The cumulative difference is $8,850 in favour of Kings Plains. Excludes purchase price, mortgage, and personal expenses.
Which of Fitzgeralds Mount and Kings Plains 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: Bathurst Regional rates (OLG and Blayney 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.