Littleton vs Sheedys Gully, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Littleton and Sheedys Gully are both Lithgow rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Littleton runs $300 a year cheaper than Sheedys Gully, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
Over 10 years the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
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Sheedys Gully
Annual cost breakdown
| Category | Littleton | Sheedys Gully | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,186 | $1,186 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $1,550 | $1,850 | -$300 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,236 | $22,536 | -$300 |
| Total (public transport) | $22,236 | $22,536 | -$300 |
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 | Littleton | Sheedys Gully | Difference |
|---|---|---|---|
| House | $2,857 | $2,857 | - |
| Unit | $2,312 | $2,312 | - |
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, Littleton vs Sheedys Gully (2026-27)
What the numbers show
Littleton and Sheedys Gully differ by $300 a year by car, but $300 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 $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $22,236 from Littleton versus $22,536 from Sheedys Gully.
Where the difference actually comes from
- Council rates is identical at $1,186 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Littleton by $300 a year, $1,550 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 the insurance band.
Fire risk is rated high in Sheedys Gully against medium in Littleton, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Littleton cumulative | Sheedys Gully cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,236 | $22,536 | $300 |
| Year 3 | $68,729 | $69,657 | $928 |
| Year 5 | $118,054 | $119,647 | $1,593 |
| Year 10 | $254,911 | $258,350 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Littleton or Sheedys Gully cheaper to live in?
Neither is named cheaper. Littleton runs $22,236 a year by car and Sheedys Gully $22,536, but most of the $300 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Littleton and Sheedys Gully?
Annual council rates for a house are $1,186 in Littleton (Lithgow rates (OLG) and $1,186 in Sheedys Gully (Lithgow rates (OLG). Water and sewerage adds $1,300 in Littleton and $1,300 in Sheedys Gully. 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 Littleton and Sheedys Gully?
Littleton carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Sheedys Gully carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Littleton and Sheedys Gully?
At 3% annual cost growth, Littleton costs a cumulative $254,911 and Sheedys Gully costs $258,350 over 10 years by car. The cumulative difference is $3,439 in favour of Littleton. Excludes purchase price, mortgage, and personal expenses.
Which of Littleton and Sheedys Gully suits you better?
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Sources: Lithgow rates (OLG and Lithgow 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.