Mulgoa vs Regentville: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Mulgoa and Regentville are both Penrith rates (OLG suburbs, sitting 51.3 km and 51.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $110 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 →Mulgoa
Regentville
Annual cost breakdown
| Category | Mulgoa | Regentville | Difference |
|---|---|---|---|
| Council rates | $1,604 | $1,604 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,431 | $6,391 | +$40 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,150 | $2,300 | -$150 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,733 | $11,843 | -$110 |
| Total (public transport) | $7,702 | $7,852 | -$150 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Mulgoa | Regentville | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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 — Mulgoa vs Regentville (2026-27)
What the numbers show
Mulgoa and Regentville cost within $110 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,261, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $150 per year. Regentville carries medium flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,702 and $7,852 a year, so the $110 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,604 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Regentville by $40 a year, $6,391 against $6,431.
- Building insurance favours Mulgoa by $150 a year, $2,150 against $2,300.
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 commute distance and the insurance band.
Flood risk is rated medium in Regentville against low in Mulgoa, which feeds the insurance estimate. Fire risk is rated medium in Mulgoa against low in Regentville, which feeds the insurance estimate. The catchment state school scores 7.3 in Mulgoa against 6.1 in Regentville, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Mulgoa cumulative | Regentville cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,733 | $11,843 | $110 |
| Year 3 | $36,266 | $36,606 | $340 |
| Year 5 | $62,292 | $62,876 | $584 |
| Year 10 | $134,506 | $135,767 | $1,261 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mulgoa or Regentville cheaper to live in?
Mulgoa is cheaper to run by car at $11,733 per year versus $11,843 for Regentville, a difference of $110 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mulgoa and Regentville?
Annual council rates for a house are $1,604 in Mulgoa (Penrith rates (OLG) and $1,604 in Regentville (Penrith rates (OLG). Water and sewerage adds $1,548 in Mulgoa and $1,548 in Regentville. 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 Mulgoa and Regentville?
Annual driving commute costs are $6,431 from Mulgoa and $6,391 from Regentville to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Mulgoa and $2,400 from Regentville.
What is the 10-year cost difference between Mulgoa and Regentville?
At 3% annual cost growth, Mulgoa costs a cumulative $134,506 and Regentville costs $135,767 over 10 years by car. The cumulative difference is $1,261 in favour of Mulgoa. Excludes purchase price, mortgage, and personal expenses.
Which of Mulgoa and Regentville 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: Penrith rates (OLG and Penrith rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.