Albury vs North Albury: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Albury and North Albury are both Albury rates (OLG suburbs, sitting 461.9 km and 459.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
North Albury runs $300 a year cheaper than Albury, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Albury
North Albury
Annual cost breakdown
| Category | Albury | North Albury | Difference |
|---|---|---|---|
| Council rates | $1,631 | $1,631 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,150 | +$300 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,981 | $22,681 | +$300 |
| Total (public transport) | $7,781 | $7,481 | +$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Albury | North Albury | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — Albury vs North Albury (2026-27)
What the numbers show
North Albury costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of North Albury.
The biggest single gap is home insurance at $300 per year. Albury carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $7,781 from Albury versus $7,481 from North Albury.
10-year cumulative cost projection
| Year | Albury cumulative | North Albury cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,981 | $22,681 | $300 |
| Year 3 | $71,032 | $70,105 | $927 |
| Year 5 | $122,009 | $120,417 | $1,592 |
| Year 10 | $263,451 | $260,012 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Albury or North Albury cheaper to live in?
North Albury is cheaper to run by car at $22,681 per year versus $22,981 for Albury, a difference of $300 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Albury and North Albury?
Annual council rates for a house are $1,631 in Albury (Albury rates (OLG) and $1,631 in North Albury (Albury rates (OLG). Water and sewerage adds $1,300 in Albury and $1,300 in North Albury. 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 Albury and North Albury?
Annual driving commute costs are $17,600 from Albury and $17,600 from North Albury to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Albury and $2,400 from North Albury.
What is the 10-year cost difference between Albury and North Albury?
At 3% annual cost growth, Albury costs a cumulative $263,451 and North Albury costs $260,012 over 10 years by car. The cumulative difference is $3,439 in favour of North Albury. Excludes purchase price, mortgage, and personal expenses.
Which of Albury and North Albury 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: Albury rates (OLG and Albury rates (OLG 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.