Milroy vs Mount Frome: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Milroy and Mount Frome are both Mid-Western Regional rates (OLG suburbs, sitting 204.8 km and 200.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Milroy runs $400 a year cheaper than Mount Frome, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
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 →Milroy
Mount Frome
Annual cost breakdown
| Category | Milroy | Mount Frome | Difference |
|---|---|---|---|
| Council rates | $1,122 | $1,122 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,400 | -$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,022 | $22,422 | -$400 |
| Total (public transport) | $6,822 | $7,222 | -$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 | Milroy | Mount Frome | 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 — Milroy vs Mount Frome (2026-27)
What the numbers show
Milroy costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Milroy.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $6,822 from Milroy versus $7,222 from Mount Frome.
10-year cumulative cost projection
| Year | Milroy cumulative | Mount Frome cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,022 | $22,422 | $400 |
| Year 3 | $68,068 | $69,304 | $1,236 |
| Year 5 | $116,918 | $119,041 | $2,123 |
| Year 10 | $252,458 | $257,043 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Milroy or Mount Frome cheaper to live in?
Milroy is cheaper to run by car at $22,022 per year versus $22,422 for Mount Frome, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Milroy and Mount Frome?
Annual council rates for a house are $1,122 in Milroy (Mid-Western Regional rates (OLG) and $1,122 in Mount Frome (Mid-Western Regional rates (OLG). Water and sewerage adds $1,300 in Milroy and $1,300 in Mount Frome. 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 Milroy and Mount Frome?
Annual driving commute costs are $17,600 from Milroy and $17,600 from Mount Frome to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Milroy and $2,400 from Mount Frome.
What is the 10-year cost difference between Milroy and Mount Frome?
At 3% annual cost growth, Milroy costs a cumulative $252,458 and Mount Frome costs $257,043 over 10 years by car. The cumulative difference is $4,585 in favour of Milroy. Excludes purchase price, mortgage, and personal expenses.
Which of Milroy and Mount Frome 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: Mid-Western Regional rates (OLG and Mid-Western Regional 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.