Jordan Springs vs Werrington Downs, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Jordan Springs and Werrington Downs are both Penrith rates (OLG suburbs, sitting 45.1 km and 46.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Werrington Downs runs $955 a year cheaper than Jordan Springs, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,948.
Over 10 years the gap between these two is about $10,900, about $21 a week, and most of it is the AI-estimated insurance line.
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Werrington Downs
Annual cost breakdown
| Category | Jordan Springs | Werrington Downs | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,604 | $1,604 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,876 | $6,821 | +$55 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,400 | $1,500 | +$900 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,428 | $11,473 | +$955 |
| Total (public transport) | $7,952 | $7,052 | +$900 |
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 | Jordan Springs | Werrington Downs | 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, Jordan Springs vs Werrington Downs (2026-27)
What the numbers show
Jordan Springs and Werrington Downs differ by $955 a year by car, but $900 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 $55, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $900 per year. Jordan Springs carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $900 per year, $7,952 from Jordan Springs versus $7,052 from Werrington Downs.
Where the difference actually comes from
- Council rates is identical at $1,604 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Werrington Downs by $55 a year, $6,821 against $6,876.
- Building insurance favours Werrington Downs by $900 a year, $1,500 against $2,400.
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 Jordan Springs against low in Werrington Downs, which feeds the insurance estimate. Fire risk is rated high in Jordan Springs against low in Werrington Downs, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Jordan Springs cumulative | Werrington Downs cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,428 | $11,473 | $955 |
| Year 3 | $38,414 | $35,462 | $2,952 |
| Year 5 | $65,982 | $60,912 | $5,070 |
| Year 10 | $142,473 | $131,525 | $10,948 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Jordan Springs or Werrington Downs cheaper to live in?
Neither is named cheaper. Jordan Springs runs $12,428 a year by car and Werrington Downs $11,473, but most of the $955 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $55. Source: SuburbCost 2026 data.
What are council rates in Jordan Springs and Werrington Downs?
Annual council rates for a house are $1,604 in Jordan Springs (Penrith rates (OLG) and $1,604 in Werrington Downs (Penrith rates (OLG). Water and sewerage adds $1,548 in Jordan Springs and $1,548 in Werrington Downs. 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 Jordan Springs and Werrington Downs?
Annual driving commute costs are $6,876 from Jordan Springs and $6,821 from Werrington Downs to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Jordan Springs and $2,400 from Werrington Downs.
What is the 10-year cost difference between Jordan Springs and Werrington Downs?
At 3% annual cost growth, Jordan Springs costs a cumulative $142,473 and Werrington Downs costs $131,525 over 10 years by car. The cumulative difference is $10,948 in favour of Werrington Downs. Excludes purchase price, mortgage, and personal expenses.
Which of Jordan Springs and Werrington Downs suits you better?
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Sources: Penrith rates (OLG and Penrith 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.