Horningsea Park vs West Hoxton, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Horningsea Park and West Hoxton are both Liverpool rates (OLG suburbs, sitting 34.8 km and 36.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Horningsea Park runs $304 a year cheaper than West Hoxton, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,485.
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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West Hoxton
Annual cost breakdown
| Category | Horningsea Park | West Hoxton | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,376 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,871 | $6,925 | -$54 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $1,850 | -$250 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,395 | $11,699 | -$304 |
| Total (public transport) | $6,924 | $7,174 | -$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 | Horningsea Park | West Hoxton | 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, Horningsea Park vs West Hoxton (2026-27)
What the numbers show
Horningsea Park and West Hoxton differ by $304 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 $54, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $6,924 from Horningsea Park versus $7,174 from West Hoxton.
Where the difference actually comes from
- Council rates is identical at $1,376 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Horningsea Park by $54 a year, $6,871 against $6,925.
- Building insurance favours Horningsea Park by $250 a year, $1,600 against $1,850.
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 West Hoxton against low in Horningsea Park, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Horningsea Park cumulative | West Hoxton cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,395 | $11,699 | $304 |
| Year 3 | $35,221 | $36,160 | $939 |
| Year 5 | $60,498 | $62,112 | $1,614 |
| Year 10 | $130,631 | $134,116 | $3,485 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Horningsea Park or West Hoxton cheaper to live in?
Neither is named cheaper. Horningsea Park runs $11,395 a year by car and West Hoxton $11,699, but most of the $304 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $54. Source: SuburbCost 2026 data.
What are council rates in Horningsea Park and West Hoxton?
Annual council rates for a house are $1,376 in Horningsea Park (Liverpool rates (OLG) and $1,376 in West Hoxton (Liverpool rates (OLG). Water and sewerage adds $1,548 in Horningsea Park and $1,548 in West Hoxton. 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 Horningsea Park and West Hoxton?
Annual driving commute costs are $6,871 from Horningsea Park and $6,925 from West Hoxton to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Horningsea Park and $2,400 from West Hoxton.
What is the 10-year cost difference between Horningsea Park and West Hoxton?
At 3% annual cost growth, Horningsea Park costs a cumulative $130,631 and West Hoxton costs $134,116 over 10 years by car. The cumulative difference is $3,485 in favour of Horningsea Park. Excludes purchase price, mortgage, and personal expenses.
Which of Horningsea Park and West Hoxton suits you better?
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Sources: Liverpool rates (OLG and Liverpool 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.