True annual cost of living in Upper Colo, NSW 2756
Living in a house in Upper Colo costs about $9,282 a year: council rates, water and sewerage, commute and home insurance combined. Upper Colo sits 67.5 kilometres from Sydney CBD. Unit costs reach $9,542, with the $1,800 body corporate levy accounting for the entire difference between the two. At 67.5km, the commute dominates running costs. Drivers pay $1,286 more per year than public transport users.
About $179 a week to run a house here, including estimates
Unit annual cost
$9,542
Incl. body corporate
$795/month
About $184 a week to run a unit here, including estimates
House vs unit difference
+$260
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Hawkesbury City Council rates (IPART approved SRV, 8.66% in
$1,848
Water & sewerage
Official, 2026-27 Sydney Water
$1,548
Driving commute
Modelled, 2026-27 ATO 91c/km · 67.5km from CBD · 192 days
$3,686
Home insurance
Estimated flood Medium · fire High
$2,200
Body corporate
Estimated
$1,800
Total annual running cost
$9,282
($774/month, $179/week)
Excludes electricity, estimated separately below.
↓ 14% below Hawkesbury City Council average
SuburbCost affordability score ●●●○○6.1/10 Average
Cheaper to run than 84% of Hawkesbury City Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,720/yr
6,060 kWh
Unit
$2,209/yr
4,545 kWh
Estimated from AER residential benchmarks for Upper Colo's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.
Getting around Upper Colo
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-11-03. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.
Is it cheaper to drive or take public transport from Upper Colo to the CBD?
Public transport saves Upper Colo residents $1,286 per year. Annual commute cost by car is $3,686 versus $2,400 by public transport using the Opal network.
What are the council rates in Upper Colo?
Upper Colo falls under Hawkesbury City Council. The average residential rate for 2026-27 is $1,848 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,848 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Upper Colo?
Running a unit in Upper Colo costs approximately $9,542 per year by car or $8,256 by public transport. This includes council rates of $1,848, water and sewerage $1,548, estimated body corporate levy of $1,800, and contents insurance of $660. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Upper Colo close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Upper Colo. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.
What shops and parks are in Upper Colo?
Within a 2 km walk of the centre of Upper Colo there are 0 supermarkets, 0 cafes and 0 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
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10-year cost projection
School scores & catchments
Flood & fire risk ratings
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Data sources: Council rates: Hawkesbury City Council rates (IPART approved SRV, 8.66% in 2026-27). Water: Sydney Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.