Holroyd vs Mays Hill: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Holroyd and Mays Hill are both Cumberland rates (OLG suburbs, sitting 19.9 km and 21 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $268 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 →Holroyd
Mays Hill
Annual cost breakdown
| Category | Holroyd | Mays Hill | Difference |
|---|---|---|---|
| Council rates | $1,083 | $1,083 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,052 | $5,234 | -$182 |
| Commute (public transport) | $2,386 | $2,400 | -$14 |
| Home insurance | $2,300 | $1,850 | +$450 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,983 | $9,715 | +$268 |
| Total (public transport) | $7,317 | $6,881 | +$436 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Holroyd | Mays Hill | 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 — Holroyd vs Mays Hill (2026-27)
What the numbers show
Holroyd and Mays Hill cost within $268 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,072, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $450 per year. Holroyd carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $436 per year, $7,317 from Holroyd versus $6,881 from Mays Hill.
10-year cumulative cost projection
| Year | Holroyd cumulative | Mays Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,983 | $9,715 | $268 |
| Year 3 | $30,856 | $30,028 | $828 |
| Year 5 | $53,001 | $51,578 | $1,423 |
| Year 10 | $114,444 | $111,372 | $3,072 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Holroyd or Mays Hill cheaper to live in?
Mays Hill is cheaper to run by car at $9,715 per year versus $9,983 for Holroyd, a difference of $268 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Holroyd and Mays Hill?
Annual council rates for a house are $1,083 in Holroyd (Cumberland rates (OLG) and $1,083 in Mays Hill (Cumberland rates (OLG). Water and sewerage adds $1,548 in Holroyd and $1,548 in Mays Hill. 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 Holroyd and Mays Hill?
Annual driving commute costs are $5,052 from Holroyd and $5,234 from Mays Hill to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Holroyd and $2,400 from Mays Hill.
What is the 10-year cost difference between Holroyd and Mays Hill?
At 3% annual cost growth, Holroyd costs a cumulative $114,444 and Mays Hill costs $111,372 over 10 years by car. The cumulative difference is $3,072 in favour of Mays Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Holroyd and Mays Hill 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: Cumberland rates (OLG and Cumberland 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.