Pitt Town 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 and Wilberforce are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 45.3 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 $207 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 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
Wilberforce
Annual cost breakdown
| Category | Pitt Town | Wilberforce | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,866 | $6,659 | +$207 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,250 | $3,250 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $13,512 | $13,305 | +$207 |
| Total (public transport) | $9,046 | $9,046 | - |
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 | 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 vs Wilberforce (2026-27)
What the numbers show
Pitt Town and Wilberforce cost within $207 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,373, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $207 per year. Wilberforce is 48.7 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, $9,046 and $9,046 a year, so the $207 driving gap nearly closes if you commute by public transport.
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 $207 a year, $6,659 against $6,866.
- Building insurance is identical at $3,250 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.
10-year cumulative cost projection
| Year | Pitt Town cumulative | Wilberforce cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,512 | $13,305 | $207 |
| Year 3 | $41,764 | $41,124 | $640 |
| Year 5 | $71,737 | $70,638 | $1,099 |
| Year 10 | $154,900 | $152,527 | $2,373 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Pitt Town or Wilberforce cheaper to live in?
Wilberforce is cheaper to run by car at $13,305 per year versus $13,512 for Pitt Town, a difference of $207 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 Wilberforce?
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 Wilberforce (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Pitt Town 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 and Wilberforce?
Annual driving commute costs are $6,866 from Pitt Town and $6,659 from Wilberforce to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Pitt Town and $2,400 from Wilberforce.
What is the 10-year cost difference between Pitt Town and Wilberforce?
At 3% annual cost growth, Pitt Town costs a cumulative $154,900 and Wilberforce costs $152,527 over 10 years by car. The cumulative difference is $2,373 in favour of Wilberforce. Excludes purchase price, mortgage, and personal expenses.
Which of Pitt Town and Wilberforce 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.