Kurmond vs North Richmond: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Kurmond and North Richmond are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 58.9 km and 56.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Kurmond runs $850 a year cheaper than North Richmond, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,744.
Over 10 years, Kurmond costs about $9,700 less to run than North Richmond — the same as paying $9,700 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Kurmond
North Richmond
Annual cost breakdown
| Category | Kurmond | North Richmond | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,250 | $5,650 | -$400 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,600 | -$450 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $10,796 | $11,646 | -$850 |
| Total (public transport) | $7,946 | $8,396 | -$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kurmond | North Richmond | 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 — Kurmond vs North Richmond (2026-27)
What the numbers show
Kurmond costs $850 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,744 in favour of Kurmond.
The biggest single gap is home insurance at $450 per year. North Richmond carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,946 from Kurmond versus $8,396 from North Richmond.
10-year cumulative cost projection
| Year | Kurmond cumulative | North Richmond cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,796 | $11,646 | $850 |
| Year 3 | $33,369 | $35,997 | $2,628 |
| Year 5 | $57,317 | $61,830 | $4,513 |
| Year 10 | $123,764 | $133,508 | $9,744 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kurmond or North Richmond cheaper to live in?
Kurmond is cheaper to run by car at $10,796 per year versus $11,646 for North Richmond, a difference of $850 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kurmond and North Richmond?
Annual council rates for a house are $1,848 in Kurmond (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in North Richmond (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Kurmond and $1,548 in North Richmond. 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 Kurmond and North Richmond?
Annual driving commute costs are $5,250 from Kurmond and $5,650 from North Richmond to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Kurmond and $2,400 from North Richmond.
What is the 10-year cost difference between Kurmond and North Richmond?
At 3% annual cost growth, Kurmond costs a cumulative $123,764 and North Richmond costs $133,508 over 10 years by car. The cumulative difference is $9,744 in favour of Kurmond. Excludes purchase price, mortgage, and personal expenses.
Which of Kurmond and North Richmond 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: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in 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.