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.
The two sit within $2 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.
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Yarramundi
Annual cost breakdown
| Category | Grose Wold | Yarramundi | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,651 | $5,799 | -$148 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,000 | $1,850 | +$150 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,047 | $11,045 | +$2 |
| Total (public transport) | $7,796 | $7,646 | +$150 |
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 | 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 and Yarramundi cost within $2 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $22, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $150 per year. Grose Wold carries medium flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,796 and $7,646 a year, so the $2 driving gap nearly closes if you commute by public transport.
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 Yarramundi by $150 a year, $1,850 against $2,000.
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 | $11,047 | $11,045 | $2 |
| Year 3 | $34,145 | $34,139 | $6 |
| Year 5 | $58,650 | $58,639 | $11 |
| Year 10 | $126,641 | $126,619 | $22 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Grose Wold or Yarramundi cheaper to live in?
Yarramundi is cheaper to run by car at $11,045 per year versus $11,047 for Grose Wold, a difference of $2 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 $126,641 and Yarramundi costs $126,619 over 10 years by car. The cumulative difference is $22 in favour of Yarramundi. Excludes purchase price, mortgage, and personal expenses.
Which of Grose Wold and Yarramundi suits you better?
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 insurance estimates from ACCC premium rates. Data updated July 2026.