Old Guildford vs Yennora, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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 $735 a year cheaper than Yennora, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,426.
Over 10 years, Old Guildford costs about $8,400 less to run than Yennora. That's about $16 a week.
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Yennora
Annual cost breakdown
| Category | Old Guildford | Yennora | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,030 | $1,083 | -$53 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,395 | $5,727 | -$332 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,500 | $1,850 | -$350 |
| Body corporate (unit) Estimated | $2,300 | $2,300 | - |
| Total (driving) | $9,473 | $10,208 | -$735 |
| Total (public transport) | $6,478 | $6,881 | -$403 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Old Guildford | Yennora | 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, Old Guildford vs Yennora (2026-27)
What the numbers show
Old Guildford costs $735 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,426 in favour of Old Guildford.
The biggest single gap is home insurance at $350 per year. Yennora carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $403 per year, $6,478 from Old Guildford versus $6,881 from Yennora.
Where the difference actually comes from
- Council rates favours Old Guildford by $53 a year, $1,030 against $1,083.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Old Guildford by $332 a year, $5,395 against $5,727.
- Building insurance favours Old Guildford by $350 a year, $1,500 against $1,850.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated medium in Yennora against low in Old Guildford, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Old Guildford cumulative | Yennora cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,473 | $10,208 | $735 |
| Year 3 | $29,280 | $31,552 | $2,272 |
| Year 5 | $50,293 | $54,196 | $3,903 |
| Year 10 | $108,597 | $117,023 | $8,426 |
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 $9,473 per year versus $10,208 for Yennora, a difference of $735 annually. Figures cover council rates, water, commute (ATO 91c/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 $5,395 from Old Guildford and $5,727 from Yennora to Sydney CBD (ATO 91c/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 $108,597 and Yennora costs $117,023 over 10 years by car. The cumulative difference is $8,426 in favour of Old Guildford. Excludes purchase price, mortgage, and personal expenses.
Which of Old Guildford and Yennora suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.