Pendle Hill vs Toongabbie, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Pendle Hill and Toongabbie are both Parramatta rates (OLG suburbs, sitting 24.3 km and 25.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $158 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, Pendle Hill costs about $1,800 less to run than Toongabbie. That's about $3 a week.
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Toongabbie
Annual cost breakdown
| Category | Pendle Hill | Toongabbie | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,156 | $1,156 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $5,912 | $6,070 | -$158 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,500 | $1,500 | - |
| Body corporate (unit) Estimated | $2,300 | $2,100 | +$200 |
| Total (driving) | $10,116 | $10,274 | -$158 |
| Total (public transport) | $6,604 | $6,604 | - |
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 | Pendle Hill | Toongabbie | 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, Pendle Hill vs Toongabbie (2026-27)
What the numbers show
Pendle Hill and Toongabbie cost within $158 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,811, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $158 per year. Toongabbie is 25.5 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,604 and $6,604 a year, so the $158 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,156 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Pendle Hill by $158 a year, $5,912 against $6,070.
- Building insurance is identical at $1,500 a year.
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.
The catchment state school scores 9.1 in Pendle Hill against 7.2 in Toongabbie, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Pendle Hill cumulative | Toongabbie cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,116 | $10,274 | $158 |
| Year 3 | $31,268 | $31,756 | $488 |
| Year 5 | $53,707 | $54,546 | $839 |
| Year 10 | $115,969 | $117,780 | $1,811 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Pendle Hill or Toongabbie cheaper to live in?
Pendle Hill is cheaper to run by car at $10,116 per year versus $10,274 for Toongabbie, a difference of $158 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Pendle Hill and Toongabbie?
Annual council rates for a house are $1,156 in Pendle Hill (Parramatta rates (OLG) and $1,156 in Toongabbie (Parramatta rates (OLG). Water and sewerage adds $1,548 in Pendle Hill and $1,548 in Toongabbie. 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 Pendle Hill and Toongabbie?
Annual driving commute costs are $5,912 from Pendle Hill and $6,070 from Toongabbie to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Pendle Hill and $2,400 from Toongabbie.
What is the 10-year cost difference between Pendle Hill and Toongabbie?
At 3% annual cost growth, Pendle Hill costs a cumulative $115,969 and Toongabbie costs $117,780 over 10 years by car. The cumulative difference is $1,811 in favour of Pendle Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Pendle Hill and Toongabbie suits you better?
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Sources: Parramatta rates (OLG and Parramatta 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.