Gilead vs Rosemeadow: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gilead and Rosemeadow are both Campbelltown rates (OLG suburbs, sitting 49.2 km and 46.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $126 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 →Gilead
Rosemeadow
Annual cost breakdown
| Category | Gilead | Rosemeadow | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,619 | $6,793 | -$174 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $1,850 | +$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,814 | $11,688 | +$126 |
| Total (public transport) | $7,595 | $7,295 | +$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Gilead | Rosemeadow | 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 — Gilead vs Rosemeadow (2026-27)
What the numbers show
Gilead and Rosemeadow cost within $126 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,444, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,595 from Gilead versus $7,295 from Rosemeadow.
Where the difference actually comes from
- Council rates is identical at $1,497 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Gilead by $174 a year, $6,619 against $6,793.
- Building insurance favours Rosemeadow by $300 a year, $1,850 against $2,150.
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 medium in Gilead against low in Rosemeadow, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Gilead cumulative | Rosemeadow cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,814 | $11,688 | $126 |
| Year 3 | $36,516 | $36,126 | $390 |
| Year 5 | $62,722 | $62,053 | $669 |
| Year 10 | $135,434 | $133,990 | $1,444 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gilead or Rosemeadow cheaper to live in?
Rosemeadow is cheaper to run by car at $11,688 per year versus $11,814 for Gilead, a difference of $126 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gilead and Rosemeadow?
Annual council rates for a house are $1,497 in Gilead (Campbelltown rates (OLG) and $1,497 in Rosemeadow (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Gilead and $1,548 in Rosemeadow. 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 Gilead and Rosemeadow?
Annual driving commute costs are $6,619 from Gilead and $6,793 from Rosemeadow to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Gilead and $2,400 from Rosemeadow.
What is the 10-year cost difference between Gilead and Rosemeadow?
At 3% annual cost growth, Gilead costs a cumulative $135,434 and Rosemeadow costs $133,990 over 10 years by car. The cumulative difference is $1,444 in favour of Rosemeadow. Excludes purchase price, mortgage, and personal expenses.
Which of Gilead and Rosemeadow 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: Campbelltown rates (OLG and Campbelltown 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.