Oatlands vs Telopea: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Oatlands and Telopea are both Parramatta rates (OLG suburbs, sitting 18.4 km and 17.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Telopea runs $580 a year cheaper than Oatlands, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,649.
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 →Oatlands
Telopea
Annual cost breakdown
| Category | Oatlands | Telopea | Difference |
|---|---|---|---|
| Council rates | $1,156 | $1,156 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,788 | $4,658 | +$130 |
| Commute (public transport) | $2,386 | $2,386 | - |
| Home insurance | $2,300 | $1,850 | +$450 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,792 | $9,212 | +$580 |
| Total (public transport) | $7,390 | $6,940 | +$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Oatlands | Telopea | 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 — Oatlands vs Telopea (2026-27)
What the numbers show
Telopea costs $580 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,649 in favour of Telopea.
The biggest single gap is home insurance at $450 per year. Oatlands carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,390 from Oatlands versus $6,940 from Telopea.
10-year cumulative cost projection
| Year | Oatlands cumulative | Telopea cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,792 | $9,212 | $580 |
| Year 3 | $30,266 | $28,473 | $1,793 |
| Year 5 | $51,987 | $48,908 | $3,079 |
| Year 10 | $112,254 | $105,605 | $6,649 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Oatlands or Telopea cheaper to live in?
Telopea is cheaper to run by car at $9,212 per year versus $9,792 for Oatlands, a difference of $580 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Oatlands and Telopea?
Annual council rates for a house are $1,156 in Oatlands (Parramatta rates (OLG) and $1,156 in Telopea (Parramatta rates (OLG). Water and sewerage adds $1,548 in Oatlands and $1,548 in Telopea. 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 Oatlands and Telopea?
Annual driving commute costs are $4,788 from Oatlands and $4,658 from Telopea to Sydney CBD (ATO 88c/km). Public transport costs $2,386 from Oatlands and $2,386 from Telopea.
What is the 10-year cost difference between Oatlands and Telopea?
At 3% annual cost growth, Oatlands costs a cumulative $112,254 and Telopea costs $105,605 over 10 years by car. The cumulative difference is $6,649 in favour of Telopea. Excludes purchase price, mortgage, and personal expenses.
Which of Oatlands and Telopea 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: Parramatta rates (OLG and Parramatta 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.