Ten Mile Hollow vs Upper Mangrove, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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 $1,716 a year cheaper than Ten Mile Hollow, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $19,672.
Over 10 years, Upper Mangrove costs about $19,700 less to run than Ten Mile Hollow. That's about $38 a week.
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Upper Mangrove
Annual cost breakdown
| Category | Ten Mile Hollow | Upper Mangrove | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,454 | +$394 |
| Water & sewerage Estimated | $1,548 | $1,300 | +$248 |
| Commute (driving) Modelled, 2026-27 | $4,932 | $4,258 | +$674 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $1,450 | +$400 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $10,178 | $8,462 | +$1,716 |
| Total (public transport) | $7,646 | $6,604 | +$1,042 |
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 | Ten Mile Hollow | Upper Mangrove | Difference |
|---|---|---|---|
| House | $2,442 | $2,342 | +$100 |
| Unit | $2,001 | $1,909 | +$92 |
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, Ten Mile Hollow vs Upper Mangrove (2026-27)
What the numbers show
Upper Mangrove costs $1,716 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $19,672 in favour of Upper Mangrove.
The biggest single gap is commute costs at $674 per year. Upper Mangrove is 65 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $1,042 per year, $7,646 from Ten Mile Hollow versus $6,604 from Upper Mangrove.
Where the difference actually comes from
- Council rates favours Upper Mangrove by $394 a year, $1,454 against $1,848.
- Water and sewerage favours Upper Mangrove by $248 a year, $1,300 against $1,548.
- Driving commute favours Upper Mangrove by $674 a year, $4,258 against $4,932.
- Building insurance favours Upper Mangrove by $400 a year, $1,450 against $1,850.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
The catchment state school scores 6.5 in Ten Mile Hollow against 5.4 in Upper Mangrove, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Ten Mile Hollow cumulative | Upper Mangrove cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,178 | $8,462 | $1,716 |
| Year 3 | $31,459 | $26,155 | $5,304 |
| Year 5 | $54,036 | $44,926 | $9,110 |
| Year 10 | $116,679 | $97,007 | $19,672 |
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 $8,462 per year versus $10,178 for Ten Mile Hollow, a difference of $1,716 annually. Figures cover council rates, water, commute (ATO 91c/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 $4,932 from Ten Mile Hollow and $4,258 from Upper Mangrove to Sydney CBD (ATO 91c/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 $116,679 and Upper Mangrove costs $97,007 over 10 years by car. The cumulative difference is $19,672 in favour of Upper Mangrove. Excludes purchase price, mortgage, and personal expenses.
Which of Ten Mile Hollow and Upper Mangrove suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.