Gwynneville vs Keiraville: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gwynneville and Keiraville are both Wollongong rates (OLG suburbs, sitting 67.7 km and 68 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Keiraville runs $872 a year cheaper than Gwynneville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,997.
Over 10 years, Keiraville costs about $10,000 less to run than Gwynneville — the same as paying $10,000 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Gwynneville
Keiraville
Annual cost breakdown
| Category | Gwynneville | Keiraville | Difference |
|---|---|---|---|
| Council rates | $1,819 | $1,819 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,637 | $3,565 | +$72 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,800 | $2,000 | +$800 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $9,804 | $8,932 | +$872 |
| Total (public transport) | $8,567 | $7,767 | +$800 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Gwynneville | Keiraville | Difference |
|---|---|---|---|
| House | $2,442 | $2,442 | - |
| Unit | $2,001 | $2,001 | - |
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 — Gwynneville vs Keiraville (2026-27)
What the numbers show
Keiraville costs $872 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,997 in favour of Keiraville.
The biggest single gap is home insurance at $800 per year. Gwynneville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $800 per year, $8,567 from Gwynneville versus $7,767 from Keiraville.
Where the difference actually comes from
- Council rates is identical at $1,819 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Keiraville by $72 a year, $3,565 against $3,637.
- Building insurance favours Keiraville by $800 a year, $2,000 against $2,800.
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 Gwynneville against low in Keiraville, which feeds the insurance estimate. Fire risk is rated medium in Keiraville against low in Gwynneville, which feeds the insurance estimate. The catchment state school scores 8.6 in Keiraville against 7.6 in Gwynneville, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Gwynneville cumulative | Keiraville cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,804 | $8,932 | $872 |
| Year 3 | $30,303 | $27,608 | $2,695 |
| Year 5 | $52,051 | $47,421 | $4,630 |
| Year 10 | $112,392 | $102,395 | $9,997 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gwynneville or Keiraville cheaper to live in?
Keiraville is cheaper to run by car at $8,932 per year versus $9,804 for Gwynneville, a difference of $872 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gwynneville and Keiraville?
Annual council rates for a house are $1,819 in Gwynneville (Wollongong rates (OLG) and $1,819 in Keiraville (Wollongong rates (OLG). Water and sewerage adds $1,548 in Gwynneville and $1,548 in Keiraville. 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 Gwynneville and Keiraville?
Annual driving commute costs are $3,637 from Gwynneville and $3,565 from Keiraville to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Gwynneville and $2,400 from Keiraville.
What is the 10-year cost difference between Gwynneville and Keiraville?
At 3% annual cost growth, Gwynneville costs a cumulative $112,392 and Keiraville costs $102,395 over 10 years by car. The cumulative difference is $9,997 in favour of Keiraville. Excludes purchase price, mortgage, and personal expenses.
Which of Gwynneville and Keiraville 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.
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Sources: Wollongong rates (OLG and Wollongong 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.