Gilead vs Wedderburn: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Gilead and Wedderburn are both Campbelltown rates (OLG suburbs, sitting 49.2 km and 47 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Gilead runs $550 a year cheaper than Wedderburn, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,305.
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
Wedderburn
Annual cost breakdown
| Category | Gilead | Wedderburn | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,401 | $6,551 | -$150 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,550 | -$400 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,596 | $12,146 | -$550 |
| Total (public transport) | $7,595 | $7,995 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Gilead | Wedderburn | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Gilead vs Wedderburn (2026-27)
What the numbers show
Gilead costs $550 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,305 in favour of Gilead.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,595 from Gilead versus $7,995 from Wedderburn.
10-year cumulative cost projection
| Year | Gilead cumulative | Wedderburn cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,596 | $12,146 | $550 |
| Year 3 | $35,842 | $37,542 | $1,700 |
| Year 5 | $61,565 | $64,485 | $2,920 |
| Year 10 | $132,935 | $139,240 | $6,305 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gilead or Wedderburn cheaper to live in?
Gilead is cheaper to run by car at $11,596 per year versus $12,146 for Wedderburn, a difference of $550 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gilead and Wedderburn?
Annual council rates for a house are $1,497 in Gilead (Campbelltown rates (OLG) and $1,497 in Wedderburn (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Gilead and $1,548 in Wedderburn. 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 Wedderburn?
Annual driving commute costs are $6,401 from Gilead and $6,551 from Wedderburn to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Gilead and $2,400 from Wedderburn.
What is the 10-year cost difference between Gilead and Wedderburn?
At 3% annual cost growth, Gilead costs a cumulative $132,935 and Wedderburn costs $139,240 over 10 years by car. The cumulative difference is $6,305 in favour of Gilead. Excludes purchase price, mortgage, and personal expenses.
Which of Gilead and Wedderburn 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.