Freemans Reach vs Glossodia, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Freemans Reach and Glossodia are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 51.7 km and 53.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Glossodia runs $1,025 a year cheaper than Freemans Reach, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $11,751.
Over 10 years the gap between these two is about $11,800, about $23 a week, and most of it is the AI-estimated insurance line.
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Glossodia
Annual cost breakdown
| Category | Freemans Reach | Glossodia | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,391 | $6,216 | +$175 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,500 | $1,650 | +$850 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,287 | $11,262 | +$1,025 |
| Total (public transport) | $8,296 | $7,446 | +$850 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Freemans Reach | Glossodia | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Freemans Reach vs Glossodia (2026-27)
What the numbers show
Freemans Reach and Glossodia differ by $1,025 a year by car, but $850 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $175, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $850 per year. Freemans Reach carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $850 per year, $8,296 from Freemans Reach versus $7,446 from Glossodia.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Glossodia by $175 a year, $6,216 against $6,391.
- Building insurance favours Glossodia by $850 a year, $1,650 against $2,500.
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.
Flood risk is rated high in Freemans Reach against low in Glossodia, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Freemans Reach cumulative | Glossodia cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,287 | $11,262 | $1,025 |
| Year 3 | $37,978 | $34,810 | $3,168 |
| Year 5 | $65,233 | $59,791 | $5,442 |
| Year 10 | $140,857 | $129,106 | $11,751 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Freemans Reach or Glossodia cheaper to live in?
Neither is named cheaper. Freemans Reach runs $12,287 a year by car and Glossodia $11,262, but most of the $1,025 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $175. Source: SuburbCost 2026 data.
What are council rates in Freemans Reach and Glossodia?
Annual council rates for a house are $1,848 in Freemans Reach (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Glossodia (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Freemans Reach and $1,548 in Glossodia. 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 Freemans Reach and Glossodia?
Annual driving commute costs are $6,391 from Freemans Reach and $6,216 from Glossodia to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Freemans Reach and $2,400 from Glossodia.
What is the 10-year cost difference between Freemans Reach and Glossodia?
At 3% annual cost growth, Freemans Reach costs a cumulative $140,857 and Glossodia costs $129,106 over 10 years by car. The cumulative difference is $11,751 in favour of Glossodia. Excludes purchase price, mortgage, and personal expenses.
Which of Freemans Reach and Glossodia suits you better?
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Sources: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.