Tallawong vs The Ponds: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Tallawong and The Ponds are both Blacktown City Council rates (IPART approved SRV, 11.54% adopted for suburbs, sitting 35.5 km and 33 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $122 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 →Tallawong
The Ponds
Annual cost breakdown
| Category | Tallawong | The Ponds | Difference |
|---|---|---|---|
| Council rates | $1,360 | $1,360 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,673 | $6,551 | +$122 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,850 | $1,850 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,431 | $11,309 | +$122 |
| Total (public transport) | $7,158 | $7,158 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Tallawong | The Ponds | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Tallawong vs The Ponds (2026-27)
What the numbers show
Tallawong and The Ponds cost within $122 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,399, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $122 per year. Tallawong is 35.5 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $7,158 and $7,158 a year, so the $122 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Tallawong cumulative | The Ponds cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,431 | $11,309 | $122 |
| Year 3 | $35,332 | $34,955 | $377 |
| Year 5 | $60,689 | $60,041 | $648 |
| Year 10 | $131,044 | $129,645 | $1,399 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Tallawong or The Ponds cheaper to live in?
The Ponds is cheaper to run by car at $11,309 per year versus $11,431 for Tallawong, a difference of $122 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Tallawong and The Ponds?
Annual council rates for a house are $1,360 in Tallawong (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) and $1,360 in The Ponds (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Tallawong and $1,548 in The Ponds. 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 Tallawong and The Ponds?
Annual driving commute costs are $6,673 from Tallawong and $6,551 from The Ponds to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Tallawong and $2,400 from The Ponds.
What is the 10-year cost difference between Tallawong and The Ponds?
At 3% annual cost growth, Tallawong costs a cumulative $131,044 and The Ponds costs $129,645 over 10 years by car. The cumulative difference is $1,399 in favour of The Ponds. Excludes purchase price, mortgage, and personal expenses.
Which of Tallawong and The Ponds 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: Blacktown City Council rates (IPART approved SRV, 11.54% adopted for and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.