Harris Park vs Holroyd, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Harris Park (Parramatta rates (OLG) and Holroyd (Cumberland rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (19.1 km and 19.9 km).
The two sit within $71 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.
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Holroyd
Annual cost breakdown
| Category | Harris Park | Holroyd | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,156 | $1,083 | +$73 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,080 | $5,224 | -$144 |
| Commute (public transport) Modelled, 2026-27 | $2,386 | $2,386 | - |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,634 | $9,705 | -$71 |
| Total (public transport) | $6,940 | $6,867 | +$73 |
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 | Harris Park | Holroyd | 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, Harris Park vs Holroyd (2026-27)
What the numbers show
Harris Park and Holroyd cost within $71 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $814, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $144 per year. Holroyd is 19.9 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, $6,940 and $6,867 a year, so the $71 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Holroyd by $73 a year, $1,083 against $1,156.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Harris Park by $144 a year, $5,080 against $5,224.
- Building insurance is identical at $1,850 a year.
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 9.4 in Harris Park against 5.3 in Holroyd, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Harris Park cumulative | Holroyd cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,634 | $9,705 | $71 |
| Year 3 | $29,778 | $29,997 | $219 |
| Year 5 | $51,148 | $51,525 | $377 |
| Year 10 | $110,443 | $111,257 | $814 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Harris Park or Holroyd cheaper to live in?
Harris Park is cheaper to run by car at $9,634 per year versus $9,705 for Holroyd, a difference of $71 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Harris Park and Holroyd?
Annual council rates for a house are $1,156 in Harris Park (Parramatta rates (OLG) and $1,083 in Holroyd (Cumberland rates (OLG). Water and sewerage adds $1,548 in Harris Park and $1,548 in Holroyd. 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 Harris Park and Holroyd?
Annual driving commute costs are $5,080 from Harris Park and $5,224 from Holroyd to Sydney CBD (ATO 91c/km). Public transport costs $2,386 from Harris Park and $2,386 from Holroyd.
What is the 10-year cost difference between Harris Park and Holroyd?
At 3% annual cost growth, Harris Park costs a cumulative $110,443 and Holroyd costs $111,257 over 10 years by car. The cumulative difference is $814 in favour of Harris Park. Excludes purchase price, mortgage, and personal expenses.
Which of Harris Park and Holroyd suits you better?
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Sources: Parramatta rates (OLG and Cumberland 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.