Gladesville vs Tennyson Point, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gladesville and Tennyson Point are both Ryde rates (OLG suburbs, sitting 8.7 km and 9.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Gladesville runs $690 a year cheaper than Tennyson Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,910.
Over 10 years the gap between these two is about $7,900, about $15 a week, and most of it is the AI-estimated insurance line.
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Tennyson Point
Annual cost breakdown
| Category | Gladesville | Tennyson Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,278 | $1,278 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $2,709 | $2,899 | -$190 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $1,920 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $7,385 | $8,075 | -$690 |
| Total (public transport) | $6,596 | $7,096 | -$500 |
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 | Gladesville | Tennyson Point | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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, Gladesville vs Tennyson Point (2026-27)
What the numbers show
Gladesville and Tennyson Point differ by $690 a year by car, but $500 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 $190, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Tennyson Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $500 per year, $6,596 from Gladesville versus $7,096 from Tennyson Point.
Where the difference actually comes from
- Council rates is identical at $1,278 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Gladesville by $190 a year, $2,709 against $2,899.
- Building insurance favours Gladesville by $500 a year, $1,850 against $2,350.
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 Tennyson Point against medium in Gladesville, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Gladesville cumulative | Tennyson Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,385 | $8,075 | $690 |
| Year 3 | $22,826 | $24,959 | $2,133 |
| Year 5 | $39,208 | $42,871 | $3,663 |
| Year 10 | $84,661 | $92,571 | $7,910 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gladesville or Tennyson Point cheaper to live in?
Neither is named cheaper. Gladesville runs $7,385 a year by car and Tennyson Point $8,075, but most of the $690 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $190. Source: SuburbCost 2026 data.
What are council rates in Gladesville and Tennyson Point?
Annual council rates for a house are $1,278 in Gladesville (Ryde rates (OLG) and $1,278 in Tennyson Point (Ryde rates (OLG). Water and sewerage adds $1,548 in Gladesville and $1,548 in Tennyson Point. 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 Gladesville and Tennyson Point?
Annual driving commute costs are $2,709 from Gladesville and $2,899 from Tennyson Point to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Gladesville and $1,920 from Tennyson Point.
What is the 10-year cost difference between Gladesville and Tennyson Point?
At 3% annual cost growth, Gladesville costs a cumulative $84,661 and Tennyson Point costs $92,571 over 10 years by car. The cumulative difference is $7,910 in favour of Gladesville. Excludes purchase price, mortgage, and personal expenses.
Which of Gladesville and Tennyson Point suits you better?
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Sources: Ryde rates (OLG and Ryde rates (OLG 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.