Kurmond vs Tennyson: 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 Tennyson are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 58.9 km and 58.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $109 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 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 →Kurmond
Tennyson
Annual cost breakdown
| Category | Kurmond | Tennyson | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,250 | $5,359 | -$109 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,150 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $10,796 | $10,905 | -$109 |
| Total (public transport) | $7,946 | $7,946 | - |
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 | Tennyson | 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 Tennyson (2026-27)
What the numbers show
Kurmond and Tennyson cost within $109 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,250, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $109 per year. Kurmond is 58.9 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $7,946 and $7,946 a year, so the $109 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Kurmond cumulative | Tennyson cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,796 | $10,905 | $109 |
| Year 3 | $33,369 | $33,706 | $337 |
| Year 5 | $57,317 | $57,896 | $579 |
| Year 10 | $123,764 | $125,014 | $1,250 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kurmond or Tennyson cheaper to live in?
Kurmond is cheaper to run by car at $10,796 per year versus $10,905 for Tennyson, a difference of $109 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kurmond and Tennyson?
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 Tennyson (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Kurmond and $1,548 in Tennyson. 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 Tennyson?
Annual driving commute costs are $5,250 from Kurmond and $5,359 from Tennyson to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Kurmond and $2,400 from Tennyson.
What is the 10-year cost difference between Kurmond and Tennyson?
At 3% annual cost growth, Kurmond costs a cumulative $123,764 and Tennyson costs $125,014 over 10 years by car. The cumulative difference is $1,250 in favour of Kurmond. Excludes purchase price, mortgage, and personal expenses.
Which of Kurmond and Tennyson 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.