Gledswood Hills vs Kearns: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Gledswood Hills (Camden rates (OLG) and Kearns (Campbelltown rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (42.7 km and 41.1 km).
The two sit within $249 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 →Gledswood Hills
Kearns
Annual cost breakdown
| Category | Gledswood Hills | Kearns | Difference |
|---|---|---|---|
| Council rates | $1,573 | $1,497 | +$76 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,728 | $6,753 | -$25 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,150 | -$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,699 | $11,948 | -$249 |
| Total (public transport) | $7,371 | $7,595 | -$224 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Gledswood Hills | Kearns | 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 — Gledswood Hills vs Kearns (2026-27)
What the numbers show
Gledswood Hills and Kearns cost within $249 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,854, 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 $224 per year, $7,371 from Gledswood Hills versus $7,595 from Kearns.
10-year cumulative cost projection
| Year | Gledswood Hills cumulative | Kearns cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,699 | $11,948 | $249 |
| Year 3 | $36,160 | $36,930 | $770 |
| Year 5 | $62,112 | $63,434 | $1,322 |
| Year 10 | $134,116 | $136,970 | $2,854 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gledswood Hills or Kearns cheaper to live in?
Gledswood Hills is cheaper to run by car at $11,699 per year versus $11,948 for Kearns, a difference of $249 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gledswood Hills and Kearns?
Annual council rates for a house are $1,573 in Gledswood Hills (Camden rates (OLG) and $1,497 in Kearns (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Gledswood Hills and $1,548 in Kearns. 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 Gledswood Hills and Kearns?
Annual driving commute costs are $6,728 from Gledswood Hills and $6,753 from Kearns to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Gledswood Hills and $2,400 from Kearns.
What is the 10-year cost difference between Gledswood Hills and Kearns?
At 3% annual cost growth, Gledswood Hills costs a cumulative $134,116 and Kearns costs $136,970 over 10 years by car. The cumulative difference is $2,854 in favour of Gledswood Hills. Excludes purchase price, mortgage, and personal expenses.
Which of Gledswood Hills and Kearns 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: Camden 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.