Grose Wold vs Yarramundi: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Grose Wold and Yarramundi are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 57.5 km and 56.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Grose Wold runs $548 a year cheaper than Yarramundi, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,282.
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 →Grose Wold
Yarramundi
Annual cost breakdown
| Category | Grose Wold | Yarramundi | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,651 | $5,799 | -$148 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,600 | $3,000 | -$400 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,647 | $12,195 | -$548 |
| Total (public transport) | $8,396 | $8,796 | -$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Grose Wold | Yarramundi | 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 — Grose Wold vs Yarramundi (2026-27)
What the numbers show
Grose Wold costs $548 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,282 in favour of Grose Wold.
The biggest single gap is home insurance at $400 per year. Yarramundi carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,396 from Grose Wold versus $8,796 from Yarramundi.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Grose Wold by $148 a year, $5,651 against $5,799.
- Building insurance favours Grose Wold by $400 a year, $2,600 against $3,000.
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.
Fire risk is rated high in Yarramundi against medium in Grose Wold, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Grose Wold cumulative | Yarramundi cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,647 | $12,195 | $548 |
| Year 3 | $36,000 | $37,694 | $1,694 |
| Year 5 | $61,836 | $64,745 | $2,909 |
| Year 10 | $133,520 | $139,802 | $6,282 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Grose Wold or Yarramundi cheaper to live in?
Grose Wold is cheaper to run by car at $11,647 per year versus $12,195 for Yarramundi, a difference of $548 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Grose Wold and Yarramundi?
Annual council rates for a house are $1,848 in Grose Wold (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Yarramundi (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Grose Wold and $1,548 in Yarramundi. 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 Grose Wold and Yarramundi?
Annual driving commute costs are $5,651 from Grose Wold and $5,799 from Yarramundi to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Grose Wold and $2,400 from Yarramundi.
What is the 10-year cost difference between Grose Wold and Yarramundi?
At 3% annual cost growth, Grose Wold costs a cumulative $133,520 and Yarramundi costs $139,802 over 10 years by car. The cumulative difference is $6,282 in favour of Grose Wold. Excludes purchase price, mortgage, and personal expenses.
Which of Grose Wold and Yarramundi 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: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in 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.