Old Guildford vs Yennora: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Old Guildford (Fairfield rates (OLG) and Yennora (Cumberland rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (20.9 km and 23 km).
Old Guildford runs $824 a year cheaper than Yennora, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,446.
Over 10 years, Old Guildford costs about $9,400 less to run than Yennora — the same as paying $9,400 less for the home. It's the cost no listing shows you.
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Yennora
Annual cost breakdown
| Category | Old Guildford | Yennora | Difference |
|---|---|---|---|
| Council rates | $1,030 | $1,083 | -$53 |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $5,217 | $5,538 | -$321 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $2,300 | -$450 |
| Body corporate (unit) | $2,300 | $2,300 | - |
| Total (driving) | $9,645 | $10,469 | -$824 |
| Total (public transport) | $6,828 | $7,331 | -$503 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Old Guildford | Yennora | 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 — Old Guildford vs Yennora (2026-27)
What the numbers show
Old Guildford costs $824 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,446 in favour of Old Guildford.
The biggest single gap is home insurance at $450 per year. Yennora carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $503 per year, $6,828 from Old Guildford versus $7,331 from Yennora.
10-year cumulative cost projection
| Year | Old Guildford cumulative | Yennora cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,645 | $10,469 | $824 |
| Year 3 | $29,812 | $32,359 | $2,547 |
| Year 5 | $51,207 | $55,581 | $4,374 |
| Year 10 | $110,569 | $120,015 | $9,446 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Old Guildford or Yennora cheaper to live in?
Old Guildford is cheaper to run by car at $9,645 per year versus $10,469 for Yennora, a difference of $824 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Old Guildford and Yennora?
Annual council rates for a house are $1,030 in Old Guildford (Fairfield rates (OLG) and $1,083 in Yennora (Cumberland rates (OLG). Water and sewerage adds $1,548 in Old Guildford and $1,548 in Yennora. 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 Old Guildford and Yennora?
Annual driving commute costs are $5,217 from Old Guildford and $5,538 from Yennora to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Old Guildford and $2,400 from Yennora.
What is the 10-year cost difference between Old Guildford and Yennora?
At 3% annual cost growth, Old Guildford costs a cumulative $110,569 and Yennora costs $120,015 over 10 years by car. The cumulative difference is $9,446 in favour of Old Guildford. Excludes purchase price, mortgage, and personal expenses.
Which of Old Guildford and Yennora 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: Fairfield rates (OLG and Cumberland 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.