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 $1,275 a year cheaper than Freemans Reach, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $14,617.
Over 10 years, Glossodia costs about $14,600 less to run than Freemans Reach — the same as paying $14,600 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Freemans Reach
Glossodia
Annual cost breakdown
| Category | Freemans Reach | Glossodia | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,391 | $6,216 | +$175 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $2,150 | +$1,100 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $13,037 | $11,762 | +$1,275 |
| Total (public transport) | $9,046 | $7,946 | +$1,100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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
Glossodia costs $1,275 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $14,617 in favour of Glossodia.
The biggest single gap is home insurance at $1,100 per year. Freemans Reach carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $9,046 from Freemans Reach versus $7,946 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 $1,100 a year, $2,150 against $3,250.
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 | $13,037 | $11,762 | $1,275 |
| Year 3 | $40,296 | $36,355 | $3,941 |
| Year 5 | $69,215 | $62,446 | $6,769 |
| Year 10 | $149,455 | $134,838 | $14,617 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Freemans Reach or Glossodia cheaper to live in?
Glossodia is cheaper to run by car at $11,762 per year versus $13,037 for Freemans Reach, a difference of $1,275 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. 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 $149,455 and Glossodia costs $134,838 over 10 years by car. The cumulative difference is $14,617 in favour of Glossodia. Excludes purchase price, mortgage, and personal expenses.
Which of Freemans Reach and Glossodia 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: 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 AI insurance estimates. Data updated July 2026.