Pitt Town Bottoms vs Wilberforce, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Pitt Town Bottoms and Wilberforce are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 46.1 km and 48.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $233 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 the gap between these two is about $2,700, about $5 a week, and most of it is the AI-estimated insurance line.
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Wilberforce
Annual cost breakdown
| Category | Pitt Town Bottoms | Wilberforce | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,826 | $6,659 | +$167 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,100 | $2,500 | -$400 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,322 | $12,555 | -$233 |
| Total (public transport) | $7,896 | $8,296 | -$400 |
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 | Pitt Town Bottoms | Wilberforce | 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, Pitt Town Bottoms vs Wilberforce (2026-27)
What the numbers show
Pitt Town Bottoms and Wilberforce differ by $233 a year by car, but $400 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $167, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $400 per year. Wilberforce carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $7,896 from Pitt Town Bottoms versus $8,296 from Wilberforce.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Wilberforce by $167 a year, $6,659 against $6,826.
- Building insurance favours Pitt Town Bottoms by $400 a year, $2,100 against $2,500.
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.
Fire risk is rated medium in Wilberforce against low in Pitt Town Bottoms, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Pitt Town Bottoms cumulative | Wilberforce cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,322 | $12,555 | $233 |
| Year 3 | $38,086 | $38,806 | $720 |
| Year 5 | $65,419 | $66,656 | $1,237 |
| Year 10 | $141,258 | $143,929 | $2,671 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Pitt Town Bottoms or Wilberforce cheaper to live in?
Neither is named cheaper. Pitt Town Bottoms runs $12,322 a year by car and Wilberforce $12,555, but most of the $233 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $167. Source: SuburbCost 2026 data.
What are council rates in Pitt Town Bottoms and Wilberforce?
Annual council rates for a house are $1,848 in Pitt Town Bottoms (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Wilberforce (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Pitt Town Bottoms and $1,548 in Wilberforce. 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 Pitt Town Bottoms and Wilberforce?
Annual driving commute costs are $6,826 from Pitt Town Bottoms and $6,659 from Wilberforce to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Pitt Town Bottoms and $2,400 from Wilberforce.
What is the 10-year cost difference between Pitt Town Bottoms and Wilberforce?
At 3% annual cost growth, Pitt Town Bottoms costs a cumulative $141,258 and Wilberforce costs $143,929 over 10 years by car. The cumulative difference is $2,671 in favour of Pitt Town Bottoms. Excludes purchase price, mortgage, and personal expenses.
Which of Pitt Town Bottoms and Wilberforce suits you better?
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.
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Sources: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Hawkesbury City Council rates (IPART approved SRV, 8.66% in 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.