Adelong vs Grahamstown: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Adelong and Grahamstown are both Snowy Valleys rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Adelong
Grahamstown
Annual cost breakdown
| Category | Adelong | Grahamstown | Difference |
|---|---|---|---|
| Council rates | $974 | $974 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,474 | $22,474 | - |
| Total (public transport) | $6,674 | $6,674 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Adelong | Grahamstown | Difference |
|---|---|---|---|
| House | $3,257 | $3,257 | - |
| Unit | $2,691 | $2,691 | - |
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 — Adelong vs Grahamstown (2026-27)
What the numbers show
Adelong and Grahamstown cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $6,674 and $6,674 a year, so the $0 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $974 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,000 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. On these four costs they are identical.
10-year cumulative cost projection
| Year | Adelong cumulative | Grahamstown cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,474 | $22,474 | $0 |
| Year 3 | $69,465 | $69,465 | $0 |
| Year 5 | $119,318 | $119,318 | $0 |
| Year 10 | $257,639 | $257,639 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Adelong or Grahamstown cheaper to live in?
Adelong is cheaper to run by car at $22,474 per year versus $22,474 for Grahamstown, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Adelong and Grahamstown?
Annual council rates for a house are $974 in Adelong (Snowy Valleys rates (OLG) and $974 in Grahamstown (Snowy Valleys rates (OLG). Water and sewerage adds $1,300 in Adelong and $1,300 in Grahamstown. 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 Adelong and Grahamstown?
Adelong carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Grahamstown carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Public transport costs $2,400 from Adelong and $2,400 from Grahamstown.
What is the 10-year cost difference between Adelong and Grahamstown?
At 3% annual cost growth, Adelong costs a cumulative $257,639 and Grahamstown costs $257,639 over 10 years by car. The cumulative difference is $0 in favour of Adelong. Excludes purchase price, mortgage, and personal expenses.
Which of Adelong and Grahamstown 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: Snowy Valleys rates (OLG and Snowy Valleys rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.