Hobartville vs North Richmond: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Hobartville and North Richmond are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 52.1 km and 56.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $190 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 →Hobartville
North Richmond
Annual cost breakdown
| Category | Hobartville | North Richmond | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,140 | $5,650 | +$490 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,300 | $2,600 | -$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,836 | $11,646 | +$190 |
| Total (public transport) | $8,096 | $8,396 | -$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hobartville | North Richmond | 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 — Hobartville vs North Richmond (2026-27)
What the numbers show
Hobartville and North Richmond cost within $190 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,178, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $490 per year. North Richmond is 56.2 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $300 per year, $8,096 from Hobartville versus $8,396 from North Richmond.
10-year cumulative cost projection
| Year | Hobartville cumulative | North Richmond cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,836 | $11,646 | $190 |
| Year 3 | $36,584 | $35,997 | $587 |
| Year 5 | $62,839 | $61,830 | $1,009 |
| Year 10 | $135,686 | $133,508 | $2,178 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hobartville or North Richmond cheaper to live in?
North Richmond is cheaper to run by car at $11,646 per year versus $11,836 for Hobartville, a difference of $190 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hobartville and North Richmond?
Annual council rates for a house are $1,848 in Hobartville (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in North Richmond (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Hobartville and $1,548 in North Richmond. 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 Hobartville and North Richmond?
Annual driving commute costs are $6,140 from Hobartville and $5,650 from North Richmond to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Hobartville and $2,400 from North Richmond.
What is the 10-year cost difference between Hobartville and North Richmond?
At 3% annual cost growth, Hobartville costs a cumulative $135,686 and North Richmond costs $133,508 over 10 years by car. The cumulative difference is $2,178 in favour of North Richmond. Excludes purchase price, mortgage, and personal expenses.
Which of Hobartville and North Richmond 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: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in 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.