Ten Mile Hollow vs Wrights Creek, 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 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 $16 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.
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Wrights Creek
Annual cost breakdown
| Category | Ten Mile Hollow | Wrights Creek | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,848 | $1,848 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $4,932 | $4,598 | +$334 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,850 | $2,200 | -$350 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $10,178 | $10,194 | -$16 |
| Total (public transport) | $7,646 | $7,996 | -$350 |
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 | Wrights Creek | Difference |
|---|---|---|---|
| House | $2,442 | $2,720 | -$278 |
| Unit | $2,001 | $2,209 | -$208 |
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 Wrights Creek (2026-27)
What the numbers show
Ten Mile Hollow and Wrights Creek cost within $16 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $184, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $350 per year. Wrights Creek carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $350 per year, $7,646 from Ten Mile Hollow versus $7,996 from Wrights Creek.
Where the difference actually comes from
- Council rates is identical at $1,848 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Wrights Creek by $334 a year, $4,598 against $4,932.
- Building insurance favours Ten Mile Hollow by $350 a year, $1,850 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.
Flood risk is rated medium in Wrights Creek against low in Ten Mile Hollow, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Ten Mile Hollow cumulative | Wrights Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,178 | $10,194 | $16 |
| Year 3 | $31,459 | $31,509 | $50 |
| Year 5 | $54,036 | $54,121 | $85 |
| Year 10 | $116,679 | $116,863 | $184 |
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 $10,178 per year versus $10,194 for Wrights Creek, a difference of $16 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 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 $4,932 from Ten Mile Hollow and $4,598 from Wrights Creek to Sydney CBD (ATO 91c/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 $116,679 and Wrights Creek costs $116,863 over 10 years by car. The cumulative difference is $184 in favour of Ten Mile Hollow. Excludes purchase price, mortgage, and personal expenses.
Which of Ten Mile Hollow and Wrights Creek 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: 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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.