Holsworthy vs Minto Heights, 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 Minto Heights are both Campbelltown rates (OLG suburbs, sitting 36.5 km and 36.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $264 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 the gap between these two is about $3,000, about $6 a week, and most of it is the AI-estimated insurance line.
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Minto Heights
Annual cost breakdown
| Category | Holsworthy | Minto Heights | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,497 | $1,497 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,936 | $6,922 | +$14 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,450 | $2,200 | +$250 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,431 | $12,167 | +$264 |
| Total (public transport) | $7,895 | $7,645 | +$250 |
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 | Holsworthy | Minto Heights | 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 Minto Heights (2026-27)
What the numbers show
Holsworthy and Minto Heights differ by $264 a year by car, but $250 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 $14, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year. Holsworthy carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $250 per year, $7,895 from Holsworthy versus $7,645 from Minto Heights.
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 Minto Heights by $14 a year, $6,922 against $6,936.
- Building insurance favours Minto Heights by $250 a year, $2,200 against $2,450.
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 Minto Heights, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Holsworthy cumulative | Minto Heights cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,431 | $12,167 | $264 |
| Year 3 | $38,423 | $37,607 | $816 |
| Year 5 | $65,998 | $64,596 | $1,402 |
| Year 10 | $142,507 | $139,481 | $3,026 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Holsworthy or Minto Heights cheaper to live in?
Neither is named cheaper. Holsworthy runs $12,431 a year by car and Minto Heights $12,167, but most of the $264 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $14. Source: SuburbCost 2026 data.
What are council rates in Holsworthy and Minto Heights?
Annual council rates for a house are $1,497 in Holsworthy (Campbelltown rates (OLG) and $1,497 in Minto Heights (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Holsworthy and $1,548 in Minto Heights. 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 Minto Heights?
Annual driving commute costs are $6,936 from Holsworthy and $6,922 from Minto Heights to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Holsworthy and $2,400 from Minto Heights.
What is the 10-year cost difference between Holsworthy and Minto Heights?
At 3% annual cost growth, Holsworthy costs a cumulative $142,507 and Minto Heights costs $139,481 over 10 years by car. The cumulative difference is $3,026 in favour of Minto Heights. Excludes purchase price, mortgage, and personal expenses.
Which of Holsworthy and Minto Heights suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.