Pitt Town vs Pitt Town Bottoms: 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 and Pitt Town Bottoms are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 45.3 km and 46.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Pitt Town Bottoms runs $340 a year cheaper than Pitt Town, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,898.
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 →Pitt Town
Pitt Town Bottoms
Annual cost breakdown
| Category | Pitt Town | Pitt Town Bottoms | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,866 | $6,826 | +$40 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $2,950 | +$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $13,512 | $13,172 | +$340 |
| Total (public transport) | $9,046 | $8,746 | +$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Pitt Town | Pitt Town Bottoms | 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 vs Pitt Town Bottoms (2026-27)
What the numbers show
Pitt Town Bottoms costs $340 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,898 in favour of Pitt Town Bottoms.
The biggest single gap is home insurance at $300 per year. Pitt Town carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $9,046 from Pitt Town versus $8,746 from Pitt Town Bottoms.
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 Pitt Town Bottoms by $40 a year, $6,826 against $6,866.
- Building insurance favours Pitt Town Bottoms by $300 a year, $2,950 against $3,250.
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 Pitt Town against low in Pitt Town Bottoms, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Pitt Town cumulative | Pitt Town Bottoms cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,512 | $13,172 | $340 |
| Year 3 | $41,764 | $40,713 | $1,051 |
| Year 5 | $71,737 | $69,932 | $1,805 |
| Year 10 | $154,900 | $151,002 | $3,898 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Pitt Town or Pitt Town Bottoms cheaper to live in?
Pitt Town Bottoms is cheaper to run by car at $13,172 per year versus $13,512 for Pitt Town, a difference of $340 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Pitt Town and Pitt Town Bottoms?
Annual council rates for a house are $1,848 in Pitt Town (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Pitt Town Bottoms (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Pitt Town and $1,548 in Pitt Town Bottoms. 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 and Pitt Town Bottoms?
Annual driving commute costs are $6,866 from Pitt Town and $6,826 from Pitt Town Bottoms to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Pitt Town and $2,400 from Pitt Town Bottoms.
What is the 10-year cost difference between Pitt Town and Pitt Town Bottoms?
At 3% annual cost growth, Pitt Town costs a cumulative $154,900 and Pitt Town Bottoms costs $151,002 over 10 years by car. The cumulative difference is $3,898 in favour of Pitt Town Bottoms. Excludes purchase price, mortgage, and personal expenses.
Which of Pitt Town and Pitt Town Bottoms 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: 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 AI insurance estimates. Data updated July 2026.