Hammondville vs Moorebank: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Hammondville and Moorebank are both Liverpool rates (OLG suburbs, sitting 24.5 km and 26.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $233 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. 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 →Hammondville
Moorebank
Annual cost breakdown
| Category | Hammondville | Moorebank | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,376 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,744 | $5,977 | -$233 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,250 | - |
| Body corporate (unit) | $2,300 | $2,100 | +$200 |
| Total (driving) | $11,918 | $12,151 | -$233 |
| Total (public transport) | $8,574 | $8,574 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hammondville | Moorebank | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; 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 Moorebank (2026-27)
What the numbers show
Hammondville and Moorebank cost within $233 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,671, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $233 per year. Moorebank is 26.4 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,574 and $8,574 a year, so the $233 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Hammondville cumulative | Moorebank cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,918 | $12,151 | $233 |
| Year 3 | $36,837 | $37,558 | $721 |
| Year 5 | $63,274 | $64,511 | $1,237 |
| Year 10 | $136,627 | $139,298 | $2,671 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hammondville or Moorebank cheaper to live in?
Hammondville is cheaper to run by car at $11,918 per year versus $12,151 for Moorebank, a difference of $233 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hammondville and Moorebank?
Annual council rates for a house are $1,376 in Hammondville (Liverpool rates (OLG) and $1,376 in Moorebank (Liverpool rates (OLG). Water and sewerage adds $1,548 in Hammondville and $1,548 in Moorebank. 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 Moorebank?
Annual driving commute costs are $5,744 from Hammondville and $5,977 from Moorebank to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Hammondville and $2,400 from Moorebank.
What is the 10-year cost difference between Hammondville and Moorebank?
At 3% annual cost growth, Hammondville costs a cumulative $136,627 and Moorebank costs $139,298 over 10 years by car. The cumulative difference is $2,671 in favour of Hammondville. Excludes purchase price, mortgage, and personal expenses.
Which of Hammondville and Moorebank 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: Liverpool rates (OLG and Liverpool rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.