Granville vs Holroyd: 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 and Holroyd are both Cumberland rates (OLG suburbs, sitting 19 km and 19.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Holroyd runs $489 a year cheaper than Granville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,606.
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 →Granville
Holroyd
Annual cost breakdown
| Category | Granville | Holroyd | Difference |
|---|---|---|---|
| Council rates | $1,083 | $1,083 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,063 | $5,224 | -$161 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,950 | $2,300 | +$650 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $10,644 | $10,155 | +$489 |
| Total (public transport) | $7,967 | $7,317 | +$650 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Granville | Holroyd | 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 Holroyd (2026-27)
What the numbers show
Holroyd costs $489 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,606 in favour of Holroyd.
The biggest single gap is home insurance at $650 per year. Granville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,967 from Granville versus $7,317 from Holroyd.
Where the difference actually comes from
- Council rates is identical at $1,083 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Granville by $161 a year, $5,063 against $5,224.
- Building insurance favours Holroyd by $650 a year, $2,300 against $2,950.
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 Granville against medium in Holroyd, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Granville cumulative | Holroyd cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,644 | $10,155 | $489 |
| Year 3 | $32,900 | $31,388 | $1,512 |
| Year 5 | $56,510 | $53,914 | $2,596 |
| Year 10 | $122,022 | $116,416 | $5,606 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Granville or Holroyd cheaper to live in?
Holroyd is cheaper to run by car at $10,155 per year versus $10,644 for Granville, a difference of $489 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Granville and Holroyd?
Annual council rates for a house are $1,083 in Granville (Cumberland rates (OLG) and $1,083 in Holroyd (Cumberland rates (OLG). Water and sewerage adds $1,548 in Granville and $1,548 in Holroyd. 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 Holroyd?
Annual driving commute costs are $5,063 from Granville and $5,224 from Holroyd to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Granville and $2,386 from Holroyd.
What is the 10-year cost difference between Granville and Holroyd?
At 3% annual cost growth, Granville costs a cumulative $122,022 and Holroyd costs $116,416 over 10 years by car. The cumulative difference is $5,606 in favour of Holroyd. Excludes purchase price, mortgage, and personal expenses.
Which of Granville and Holroyd 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: Cumberland rates (OLG and Cumberland 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.