Hammondville vs Moorebank: 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 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 $241 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) | $5,940 | $6,181 | -$241 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,250 | - |
| Body corporate (unit) | $2,300 | $2,100 | +$200 |
| Total (driving) | $12,114 | $12,355 | -$241 |
| Total (public transport) | $8,574 | $8,574 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hammondville | Moorebank | 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 — Hammondville vs Moorebank (2026-27)
What the numbers show
Hammondville and Moorebank cost within $241 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,763, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $241 per year. Moorebank is 26.4 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, $8,574 and $8,574 a year, so the $241 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,376 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Hammondville by $241 a year, $5,940 against $6,181.
- Building insurance is identical at $3,250 a year.
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.
The catchment state school scores 8.5 in Hammondville against 6.8 in Moorebank, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Hammondville cumulative | Moorebank cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,114 | $12,355 | $241 |
| Year 3 | $37,443 | $38,188 | $745 |
| Year 5 | $64,315 | $65,594 | $1,279 |
| Year 10 | $138,873 | $141,636 | $2,763 |
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 $12,114 per year versus $12,355 for Moorebank, a difference of $241 annually. Figures cover council rates, water, commute (ATO 91c/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 $5,940 from Hammondville and $6,181 from Moorebank to Sydney CBD (ATO 91c/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 $138,873 and Moorebank costs $141,636 over 10 years by car. The cumulative difference is $2,763 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.