Ashmont vs San Isidore, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Ashmont and San Isidore are both Wagga Wagga rates (OLG suburbs, sitting 3.2 km and 6.7 km from Wagga Wagga CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Ashmont runs $672 a year cheaper than San Isidore, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $7,703.
Over 10 years the gap between these two is about $7,700, about $15 a week, and most of it is the AI-estimated insurance line.
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San Isidore
Annual cost breakdown
| Category | Ashmont | San Isidore | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,294 | $1,294 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,073 | $2,145 | -$1,072 |
| Commute (public transport) Modelled, 2026-27 | $1,073 | $2,145 | -$1,072 |
| Home insurance Estimated | $1,950 | $1,550 | +$400 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $5,617 | $6,289 | -$672 |
| Total (public transport) | $5,617 | $6,289 | -$672 |
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 | Ashmont | San Isidore | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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, Ashmont vs San Isidore (2026-27)
What the numbers show
Ashmont and San Isidore differ by $672 a year by car, but $400 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $1,072, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $1,072 per year. San Isidore is 6.7 km from Wagga Wagga CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $672 per year, $5,617 from Ashmont versus $6,289 from San Isidore.
Where the difference actually comes from
- Council rates is identical at $1,294 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Ashmont by $1,072 a year, $1,073 against $2,145.
- Building insurance favours San Isidore by $400 a year, $1,550 against $1,950.
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 Ashmont against low in San Isidore, which feeds the insurance estimate. The catchment state school scores 6.1 in San Isidore against 1 in Ashmont, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Ashmont cumulative | San Isidore cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,617 | $6,289 | $672 |
| Year 3 | $17,362 | $19,439 | $2,077 |
| Year 5 | $29,821 | $33,389 | $3,568 |
| Year 10 | $64,393 | $72,096 | $7,703 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ashmont or San Isidore cheaper to live in?
Neither is named cheaper. Ashmont runs $5,617 a year by car and San Isidore $6,289, but most of the $672 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $1,072. Source: SuburbCost 2026 data.
What are council rates in Ashmont and San Isidore?
Annual council rates for a house are $1,294 in Ashmont (Wagga Wagga rates (OLG) and $1,294 in San Isidore (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in Ashmont and $1,300 in San Isidore. 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 Ashmont and San Isidore?
Annual driving commute costs are $1,073 from Ashmont and $2,145 from San Isidore to Wagga Wagga CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Ashmont and San Isidore?
At 3% annual cost growth, Ashmont costs a cumulative $64,393 and San Isidore costs $72,096 over 10 years by car. The cumulative difference is $7,703 in favour of Ashmont. Excludes purchase price, mortgage, and personal expenses.
Which of Ashmont and San Isidore suits you better?
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Sources: Wagga Wagga rates (OLG and Wagga Wagga rates (OLG 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.