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 $622 a year cheaper than Gwynneville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,130.
Over 10 years the gap between these two is about $7,100, about $14 a week, and most of it is the AI-estimated insurance line.
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Keiraville
Annual cost breakdown
| Category | Gwynneville | Keiraville | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,819 | $1,819 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,637 | $3,565 | +$72 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,300 | +$550 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $8,854 | $8,232 | +$622 |
| Total (public transport) | $7,617 | $7,067 | +$550 |
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 | 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
Gwynneville and Keiraville differ by $622 a year by car, but $550 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 $72, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $550 per year. Gwynneville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $550 per year, $7,617 from Gwynneville versus $7,067 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 $550 a year, $1,300 against $1,850.
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 | $8,854 | $8,232 | $622 |
| Year 3 | $27,367 | $25,444 | $1,923 |
| Year 5 | $47,007 | $43,705 | $3,302 |
| Year 10 | $101,501 | $94,371 | $7,130 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gwynneville or Keiraville cheaper to live in?
Neither is named cheaper. Gwynneville runs $8,854 a year by car and Keiraville $8,232, but most of the $622 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $72. 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 $101,501 and Keiraville costs $94,371 over 10 years by car. The cumulative difference is $7,130 in favour of Keiraville. Excludes purchase price, mortgage, and personal expenses.
Which of Gwynneville and Keiraville suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.