Ten Mile Hollow vs Wrights Creek: 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 and Wrights Creek are both Hawkesbury City Council rates (IPART approved SRV, 8.66% in suburbs, sitting 61.7 km and 63.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $127 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 →Ten Mile Hollow
Wrights Creek
Annual cost breakdown
| Category | Ten Mile Hollow | Wrights Creek | Difference |
|---|---|---|---|
| Council rates | $1,848 | $1,848 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,769 | $4,446 | +$323 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,850 | -$450 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $10,565 | $10,692 | -$127 |
| Total (public transport) | $8,196 | $8,646 | -$450 |
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 | Wrights Creek | Difference |
|---|---|---|---|
| House | $2,148 | $2,420 | -$272 |
| Unit | $1,716 | $1,920 | -$204 |
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 Wrights Creek (2026-27)
What the numbers show
Ten Mile Hollow and Wrights Creek cost within $127 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,456, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $450 per year. Wrights Creek carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $8,196 from Ten Mile Hollow versus $8,646 from Wrights Creek.
10-year cumulative cost projection
| Year | Ten Mile Hollow cumulative | Wrights Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,565 | $10,692 | $127 |
| Year 3 | $32,655 | $33,048 | $393 |
| Year 5 | $56,091 | $56,765 | $674 |
| Year 10 | $121,116 | $122,572 | $1,456 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ten Mile Hollow or Wrights Creek cheaper to live in?
Ten Mile Hollow is cheaper to run by car at $10,565 per year versus $10,692 for Wrights Creek, a difference of $127 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 Wrights Creek?
Annual council rates for a house are $1,848 in Ten Mile Hollow (Hawkesbury City Council rates (IPART approved SRV, 8.66% in) and $1,848 in Wrights Creek (Hawkesbury City Council rates (IPART approved SRV, 8.66% in). Water and sewerage adds $1,548 in Ten Mile Hollow and $1,548 in Wrights Creek. 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 Wrights Creek?
Annual driving commute costs are $4,769 from Ten Mile Hollow and $4,446 from Wrights Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Ten Mile Hollow and $2,400 from Wrights Creek.
What is the 10-year cost difference between Ten Mile Hollow and Wrights Creek?
At 3% annual cost growth, Ten Mile Hollow costs a cumulative $121,116 and Wrights Creek costs $122,572 over 10 years by car. The cumulative difference is $1,456 in favour of Ten Mile Hollow. Excludes purchase price, mortgage, and personal expenses.
Which of Ten Mile Hollow and Wrights Creek 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.