Holsworthy vs Kentlyn: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Holsworthy and Kentlyn are both Campbelltown rates (OLG suburbs, sitting 36.5 km and 38.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Kentlyn runs $407 a year cheaper than Holsworthy, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,666.
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 →Holsworthy
Kentlyn
Annual cost breakdown
| Category | Holsworthy | Kentlyn | Difference |
|---|---|---|---|
| Council rates | $1,497 | $1,497 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,936 | $6,979 | -$43 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,000 | $2,550 | +$450 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,981 | $12,574 | +$407 |
| Total (public transport) | $8,445 | $7,995 | +$450 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Holsworthy | Kentlyn | 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 — Holsworthy vs Kentlyn (2026-27)
What the numbers show
Kentlyn costs $407 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,666 in favour of Kentlyn.
The biggest single gap is home insurance at $450 per year. Holsworthy carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $8,445 from Holsworthy versus $7,995 from Kentlyn.
Where the difference actually comes from
- Council rates is identical at $1,497 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Holsworthy by $43 a year, $6,936 against $6,979.
- Building insurance favours Kentlyn by $450 a year, $2,550 against $3,000.
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.
Flood risk is rated medium in Holsworthy against low in Kentlyn, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Holsworthy cumulative | Kentlyn cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,981 | $12,574 | $407 |
| Year 3 | $40,123 | $38,865 | $1,258 |
| Year 5 | $68,918 | $66,757 | $2,161 |
| Year 10 | $148,813 | $144,147 | $4,666 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Holsworthy or Kentlyn cheaper to live in?
Kentlyn is cheaper to run by car at $12,574 per year versus $12,981 for Holsworthy, a difference of $407 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Holsworthy and Kentlyn?
Annual council rates for a house are $1,497 in Holsworthy (Campbelltown rates (OLG) and $1,497 in Kentlyn (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Holsworthy and $1,548 in Kentlyn. 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 Holsworthy and Kentlyn?
Annual driving commute costs are $6,936 from Holsworthy and $6,979 from Kentlyn to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Holsworthy and $2,400 from Kentlyn.
What is the 10-year cost difference between Holsworthy and Kentlyn?
At 3% annual cost growth, Holsworthy costs a cumulative $148,813 and Kentlyn costs $144,147 over 10 years by car. The cumulative difference is $4,666 in favour of Kentlyn. Excludes purchase price, mortgage, and personal expenses.
Which of Holsworthy and Kentlyn 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: Campbelltown rates (OLG and Campbelltown 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.