Granville vs Harris Park, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Granville (Cumberland rates (OLG) and Harris Park (Parramatta rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (19 km and 19.1 km).
Harris Park runs $410 a year cheaper than Granville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,700.
Over 10 years the gap between these two is about $4,700, about $9 a week, and most of it is the AI-estimated insurance line.
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Harris Park
Annual cost breakdown
| Category | Granville | Harris Park | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,083 | $1,156 | -$73 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,063 | $5,080 | -$17 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $2,350 | $1,850 | +$500 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $10,044 | $9,634 | +$410 |
| Total (public transport) | $7,367 | $6,940 | +$427 |
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 | Granville | Harris Park | 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, Granville vs Harris Park (2026-27)
What the numbers show
Granville and Harris Park differ by $410 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 $90, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Granville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $427 per year, $7,367 from Granville versus $6,940 from Harris Park.
Where the difference actually comes from
- Council rates favours Granville by $73 a year, $1,083 against $1,156.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Granville by $17 a year, $5,063 against $5,080.
- Building insurance favours Harris Park by $500 a year, $1,850 against $2,350.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated high in Granville against medium in Harris Park, which feeds the insurance estimate. The catchment state school scores 9.4 in Harris Park against 5.3 in Granville, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Granville cumulative | Harris Park cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,044 | $9,634 | $410 |
| Year 3 | $31,045 | $29,778 | $1,267 |
| Year 5 | $53,325 | $51,148 | $2,177 |
| Year 10 | $115,143 | $110,443 | $4,700 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Granville or Harris Park cheaper to live in?
Neither is named cheaper. Granville runs $10,044 a year by car and Harris Park $9,634, but most of the $410 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $90. Source: SuburbCost 2026 data.
What are council rates in Granville and Harris Park?
Annual council rates for a house are $1,083 in Granville (Cumberland rates (OLG) and $1,156 in Harris Park (Parramatta rates (OLG). Water and sewerage adds $1,548 in Granville and $1,548 in Harris Park. 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 Granville and Harris Park?
Annual driving commute costs are $5,063 from Granville and $5,080 from Harris Park to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Granville and $2,386 from Harris Park.
What is the 10-year cost difference between Granville and Harris Park?
At 3% annual cost growth, Granville costs a cumulative $115,143 and Harris Park costs $110,443 over 10 years by car. The cumulative difference is $4,700 in favour of Harris Park. Excludes purchase price, mortgage, and personal expenses.
Which of Granville and Harris Park suits you better?
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Sources: Cumberland rates (OLG and Parramatta 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.