Maldon vs Razorback: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Maldon and Razorback are both Wollondilly rates (OLG suburbs, sitting 64.3 km and 61.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $69 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 →Maldon
Razorback
Annual cost breakdown
| Category | Maldon | Razorback | Difference |
|---|---|---|---|
| Council rates | $2,195 | $2,195 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,264 | $4,733 | -$469 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $10,407 | $10,476 | -$69 |
| Total (public transport) | $8,543 | $8,143 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Maldon | Razorback | 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 — Maldon vs Razorback (2026-27)
What the numbers show
Maldon and Razorback cost within $69 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $791, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $469 per year. Maldon is 64.3 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $400 per year, $8,543 from Maldon versus $8,143 from Razorback.
10-year cumulative cost projection
| Year | Maldon cumulative | Razorback cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,407 | $10,476 | $69 |
| Year 3 | $32,167 | $32,380 | $213 |
| Year 5 | $55,252 | $55,619 | $367 |
| Year 10 | $119,305 | $120,096 | $791 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Maldon or Razorback cheaper to live in?
Maldon is cheaper to run by car at $10,407 per year versus $10,476 for Razorback, a difference of $69 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Maldon and Razorback?
Annual council rates for a house are $2,195 in Maldon (Wollondilly rates (OLG) and $2,195 in Razorback (Wollondilly rates (OLG). Water and sewerage adds $1,548 in Maldon and $1,548 in Razorback. 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 Maldon and Razorback?
Annual driving commute costs are $4,264 from Maldon and $4,733 from Razorback to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Maldon and $2,400 from Razorback.
What is the 10-year cost difference between Maldon and Razorback?
At 3% annual cost growth, Maldon costs a cumulative $119,305 and Razorback costs $120,096 over 10 years by car. The cumulative difference is $791 in favour of Maldon. Excludes purchase price, mortgage, and personal expenses.
Which of Maldon and Razorback 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: Wollondilly rates (OLG and Wollondilly 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.