Ten Mile Hollow vs Upper Mangrove: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Ten Mile Hollow (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and Upper Mangrove (Central Coast rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (61.7 km and 65 km).
Upper Mangrove runs $1,293 a year cheaper than Ten Mile Hollow, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $14,823.
Over 10 years, Upper Mangrove costs about $14,800 less to run than Ten Mile Hollow — the same as paying $14,800 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Ten Mile Hollow
Upper Mangrove
Annual cost breakdown
| Category | Ten Mile Hollow | Upper Mangrove | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,454 | +$394 |
| Water & sewerage | $1,548 | $1,300 | +$248 |
| Commute (driving) | $4,769 | $4,118 | +$651 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $10,565 | $9,272 | +$1,293 |
| Total (public transport) | $8,196 | $7,554 | +$642 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Ten Mile Hollow | Upper Mangrove | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Ten Mile Hollow vs Upper Mangrove (2026-27)
What the numbers show
Upper Mangrove costs $1,293 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $14,823 in favour of Upper Mangrove.
The biggest single gap is commute costs at $651 per year. Upper Mangrove is 65 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $642 per year, $8,196 from Ten Mile Hollow versus $7,554 from Upper Mangrove.
10-year cumulative cost projection
| Year | Ten Mile Hollow cumulative | Upper Mangrove cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,565 | $9,272 | $1,293 |
| Year 3 | $32,655 | $28,659 | $3,996 |
| Year 5 | $56,091 | $49,226 | $6,865 |
| Year 10 | $121,116 | $106,293 | $14,823 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ten Mile Hollow or Upper Mangrove cheaper to live in?
Upper Mangrove is cheaper to run by car at $9,272 per year versus $10,565 for Ten Mile Hollow, a difference of $1,293 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Ten Mile Hollow and Upper Mangrove?
Annual council rates for a house are $1,848 in Ten Mile Hollow (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,454 in Upper Mangrove (Central Coast rates (OLG). Water and sewerage adds $1,548 in Ten Mile Hollow and $1,300 in Upper Mangrove. 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 Ten Mile Hollow and Upper Mangrove?
Annual driving commute costs are $4,769 from Ten Mile Hollow and $4,118 from Upper Mangrove to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Ten Mile Hollow and $2,400 from Upper Mangrove.
What is the 10-year cost difference between Ten Mile Hollow and Upper Mangrove?
At 3% annual cost growth, Ten Mile Hollow costs a cumulative $121,116 and Upper Mangrove costs $106,293 over 10 years by car. The cumulative difference is $14,823 in favour of Upper Mangrove. Excludes purchase price, mortgage, and personal expenses.
Which of Ten Mile Hollow and Upper Mangrove is best to actually live in?
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Related comparisons
Sources: Hawkesbury City Council rates (IPART approved SRV, 8.66% in and Central Coast rates (OLG 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.