Rosemeadow vs Wedderburn, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Rosemeadow and Wedderburn are both Campbelltown rates (OLG suburbs, sitting 46.7 km and 47 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Rosemeadow runs $581 a year cheaper than Wedderburn, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,660.
Over 10 years the gap between these two is about $6,700, about $13 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan → Neither quite right? Find the Sydney suburbs that fit your budget →Rosemeadow
Wedderburn
Annual cost breakdown
| Category | Rosemeadow | Wedderburn | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,497 | $1,497 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,793 | $6,774 | +$19 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,600 | $2,200 | -$600 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $11,438 | $12,019 | -$581 |
| Total (public transport) | $7,045 | $7,645 | -$600 |
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 | Rosemeadow | Wedderburn | 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, Rosemeadow vs Wedderburn (2026-27)
What the numbers show
Rosemeadow and Wedderburn differ by $581 a year by car, but $600 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 $19, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $600 per year.
On public transport the gap is $600 per year, $7,045 from Rosemeadow versus $7,645 from Wedderburn.
Where the difference actually comes from
- Council rates is identical at $1,497 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Wedderburn by $19 a year, $6,774 against $6,793.
- Building insurance favours Rosemeadow by $600 a year, $1,600 against $2,200.
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 high in Wedderburn against low in Rosemeadow, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Rosemeadow cumulative | Wedderburn cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,438 | $12,019 | $581 |
| Year 3 | $35,354 | $37,150 | $1,796 |
| Year 5 | $60,726 | $63,811 | $3,085 |
| Year 10 | $131,124 | $137,784 | $6,660 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Rosemeadow or Wedderburn cheaper to live in?
Neither is named cheaper. Rosemeadow runs $11,438 a year by car and Wedderburn $12,019, but most of the $581 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $19. Source: SuburbCost 2026 data.
What are council rates in Rosemeadow and Wedderburn?
Annual council rates for a house are $1,497 in Rosemeadow (Campbelltown rates (OLG) and $1,497 in Wedderburn (Campbelltown rates (OLG). Water and sewerage adds $1,548 in Rosemeadow and $1,548 in Wedderburn. 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 Rosemeadow and Wedderburn?
Annual driving commute costs are $6,793 from Rosemeadow and $6,774 from Wedderburn to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Rosemeadow and $2,400 from Wedderburn.
What is the 10-year cost difference between Rosemeadow and Wedderburn?
At 3% annual cost growth, Rosemeadow costs a cumulative $131,124 and Wedderburn costs $137,784 over 10 years by car. The cumulative difference is $6,660 in favour of Rosemeadow. Excludes purchase price, mortgage, and personal expenses.
Which of Rosemeadow and Wedderburn 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.
Related comparisons
Sources: Campbelltown rates (OLG and Campbelltown 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.