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 $339 a year cheaper than Granville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,886.
Over 10 years the gap between these two is about $3,900, about $7 a week, and most of it is the AI-estimated insurance line.
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Holroyd
Annual cost breakdown
| Category | Granville | Holroyd | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,083 | $1,083 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,063 | $5,224 | -$161 |
| 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 | $9,705 | +$339 |
| Total (public transport) | $7,367 | $6,867 | +$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 | 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
Granville and Holroyd differ by $339 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 $161, 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 $500 per year, $7,367 from Granville versus $6,867 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 $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 Granville against medium in Holroyd, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Granville cumulative | Holroyd cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,044 | $9,705 | $339 |
| Year 3 | $31,045 | $29,997 | $1,048 |
| Year 5 | $53,325 | $51,525 | $1,800 |
| Year 10 | $115,143 | $111,257 | $3,886 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Granville or Holroyd cheaper to live in?
Neither is named cheaper. Granville runs $10,044 a year by car and Holroyd $9,705, but most of the $339 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $161. 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 $115,143 and Holroyd costs $111,257 over 10 years by car. The cumulative difference is $3,886 in favour of Holroyd. Excludes purchase price, mortgage, and personal expenses.
Which of Granville and Holroyd suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.