Hobartville vs North Richmond, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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.
North Richmond runs $306 a year cheaper than Hobartville, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,508.
Over 10 years the gap between these two is about $3,500, about $7 a week, and most of it is the AI-estimated insurance line.
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North Richmond
Annual cost breakdown
| Category | Hobartville | North Richmond | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,349 | $5,843 | +$506 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,400 | $1,600 | -$200 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,145 | $10,839 | +$306 |
| Total (public transport) | $7,196 | $7,396 | -$200 |
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 | Hobartville | North Richmond | 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, Hobartville vs North Richmond (2026-27)
What the numbers show
Hobartville and North Richmond differ by $306 a year by car, but $200 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $506, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $506 per year. North Richmond is 56.2 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $7,196 from Hobartville versus $7,396 from North Richmond.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours North Richmond by $506 a year, $5,843 against $6,349.
- Building insurance favours Hobartville by $200 a year, $1,400 against $1,600.
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 and the insurance band.
Fire risk is rated medium in North Richmond against low in Hobartville, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hobartville cumulative | North Richmond cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,145 | $10,839 | $306 |
| Year 3 | $34,448 | $33,502 | $946 |
| Year 5 | $59,170 | $57,546 | $1,624 |
| Year 10 | $127,765 | $124,257 | $3,508 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hobartville or North Richmond cheaper to live in?
Neither is named cheaper. Hobartville runs $11,145 a year by car and North Richmond $10,839, but most of the $306 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $506. 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 $6,349 from Hobartville and $5,843 from North Richmond to Sydney CBD (ATO 91c/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 $127,765 and North Richmond costs $124,257 over 10 years by car. The cumulative difference is $3,508 in favour of North Richmond. Excludes purchase price, mortgage, and personal expenses.
Which of Hobartville and North Richmond suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.