Hammondville vs Milperra, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hammondville (Liverpool rates (OLG) and Milperra (Canterbury-Bankstown rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (24.5 km and 22.5 km).
Milperra runs $488 a year cheaper than Hammondville, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $5,594.
Over 10 years, Milperra costs about $5,600 less to run than Hammondville. That's about $11 a week.
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Milperra
Annual cost breakdown
| Category | Hammondville | Milperra | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,377 | -$1 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,940 | $5,651 | +$289 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,450 | $2,250 | +$200 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $11,314 | $10,826 | +$488 |
| Total (public transport) | $7,774 | $7,575 | +$199 |
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 | Hammondville | Milperra | Difference |
|---|---|---|---|
| House | $2,720 | $2,342 | +$378 |
| Unit | $2,209 | $1,909 | +$300 |
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, Hammondville vs Milperra (2026-27)
What the numbers show
Milperra costs $488 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,594 in favour of Milperra.
The biggest single gap is commute costs at $289 per year. Hammondville is 24.5 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,774 and $7,575 a year, so the $488 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Hammondville by $1 a year, $1,376 against $1,377.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Milperra by $289 a year, $5,651 against $5,940.
- Building insurance favours Milperra by $200 a year, $2,250 against $2,450.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
The catchment state school scores 8.5 in Hammondville against 6.7 in Milperra, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Hammondville cumulative | Milperra cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,314 | $10,826 | $488 |
| Year 3 | $34,970 | $33,462 | $1,508 |
| Year 5 | $60,068 | $57,477 | $2,591 |
| Year 10 | $129,702 | $124,108 | $5,594 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hammondville or Milperra cheaper to live in?
Milperra is cheaper to run by car at $10,826 per year versus $11,314 for Hammondville, a difference of $488 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hammondville and Milperra?
Annual council rates for a house are $1,376 in Hammondville (Liverpool rates (OLG) and $1,377 in Milperra (Canterbury-Bankstown rates (OLG). Water and sewerage adds $1,548 in Hammondville and $1,548 in Milperra. 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 Hammondville and Milperra?
Annual driving commute costs are $5,940 from Hammondville and $5,651 from Milperra to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Hammondville and $2,400 from Milperra.
What is the 10-year cost difference between Hammondville and Milperra?
At 3% annual cost growth, Hammondville costs a cumulative $129,702 and Milperra costs $124,108 over 10 years by car. The cumulative difference is $5,594 in favour of Milperra. Excludes purchase price, mortgage, and personal expenses.
Which of Hammondville and Milperra suits you better?
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Sources: Liverpool rates (OLG and Canterbury-Bankstown 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.