Liverpool vs Mount Pritchard: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Liverpool (Liverpool rates (OLG) and Mount Pritchard (Fairfield rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (27.9 km and 28.5 km).
The two sit within $286 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 →Liverpool
Mount Pritchard
Annual cost breakdown
| Category | Liverpool | Mount Pritchard | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,030 | +$346 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,140 | $6,200 | -$60 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,300 | $2,300 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,364 | $11,078 | +$286 |
| Total (public transport) | $7,624 | $7,278 | +$346 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Liverpool | Mount Pritchard | 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 — Liverpool vs Mount Pritchard (2026-27)
What the numbers show
Liverpool and Mount Pritchard cost within $286 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,279, making running cost a minor factor in the decision.
The biggest single gap is council rates at $346 per year.
On public transport the gap is $346 per year, $7,624 from Liverpool versus $7,278 from Mount Pritchard.
10-year cumulative cost projection
| Year | Liverpool cumulative | Mount Pritchard cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,364 | $11,078 | $286 |
| Year 3 | $35,125 | $34,241 | $884 |
| Year 5 | $60,333 | $58,815 | $1,518 |
| Year 10 | $130,276 | $126,997 | $3,279 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Liverpool or Mount Pritchard cheaper to live in?
Mount Pritchard is cheaper to run by car at $11,078 per year versus $11,364 for Liverpool, a difference of $286 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Liverpool and Mount Pritchard?
Annual council rates for a house are $1,376 in Liverpool (Liverpool rates (OLG) and $1,030 in Mount Pritchard (Fairfield rates (OLG). Water and sewerage adds $1,548 in Liverpool and $1,548 in Mount Pritchard. 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 Liverpool and Mount Pritchard?
Annual driving commute costs are $6,140 from Liverpool and $6,200 from Mount Pritchard to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Liverpool and $2,400 from Mount Pritchard.
What is the 10-year cost difference between Liverpool and Mount Pritchard?
At 3% annual cost growth, Liverpool costs a cumulative $130,276 and Mount Pritchard costs $126,997 over 10 years by car. The cumulative difference is $3,279 in favour of Mount Pritchard. Excludes purchase price, mortgage, and personal expenses.
Which of Liverpool and Mount Pritchard 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: Liverpool rates (OLG and Fairfield rates (OLG 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.