Ando vs Jincumbilly: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Ando and Jincumbilly are both Snowy Monaro Regional rates (OLG suburbs, sitting 361.7 km and 362.1 km from Sydney CBD respectively, 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.
Ando
Jincumbilly
Annual cost breakdown
| Category | Ando | Jincumbilly | Difference |
|---|---|---|---|
| Council rates | $1,306 | $1,306 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,206 | $22,206 | - |
| Total (public transport) | $7,006 | $7,006 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Ando | Jincumbilly | Difference |
|---|---|---|---|
| House | $2,554 | $2,554 | - |
| Unit | $2,020 | $2,020 | - |
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 — Ando vs Jincumbilly (2026-27)
What the numbers show
Ando and Jincumbilly 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, $7,006 and $7,006 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Ando cumulative | Jincumbilly cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,206 | $22,206 | $0 |
| Year 3 | $68,637 | $68,637 | $0 |
| Year 5 | $117,895 | $117,895 | $0 |
| Year 10 | $254,567 | $254,567 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ando or Jincumbilly cheaper to live in?
Ando is cheaper to run by car at $22,206 per year versus $22,206 for Jincumbilly, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Ando and Jincumbilly?
Annual council rates for a house are $1,306 in Ando (Snowy Monaro Regional rates (OLG) and $1,306 in Jincumbilly (Snowy Monaro Regional rates (OLG). Water and sewerage adds $1,300 in Ando and $1,300 in Jincumbilly. 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 Ando and Jincumbilly?
Annual driving commute costs are $17,600 from Ando and $17,600 from Jincumbilly to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Ando and $2,400 from Jincumbilly.
What is the 10-year cost difference between Ando and Jincumbilly?
At 3% annual cost growth, Ando costs a cumulative $254,567 and Jincumbilly costs $254,567 over 10 years by car. The cumulative difference is $0 in favour of Ando. Excludes purchase price, mortgage, and personal expenses.
Which of Ando and Jincumbilly 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.
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Sources: Snowy Monaro Regional rates (OLG and Snowy Monaro Regional 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.