Back Forest vs Bolong, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Back Forest and Bolong are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Back Forest runs $11,597 a year cheaper than Bolong, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $132,947.
Over 10 years, Back Forest costs about $132,900 less to run than Bolong. That's about $256 a week.
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Bolong
Annual cost breakdown
| Category | Back Forest | Bolong | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,547 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,603 | $18,200 | -$11,597 |
| Commute (public transport) Modelled, 2026-27 | $6,603 | $18,200 | -$11,597 |
| Home insurance Estimated | $2,000 | $2,000 | - |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $11,450 | $23,047 | -$11,597 |
| Total (public transport) | $11,450 | $23,047 | -$11,597 |
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 | Back Forest | Bolong | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Back Forest vs Bolong (2026-27)
What the numbers show
Back Forest costs $11,597 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $132,947 in favour of Back Forest.
The biggest single gap is commute costs at $11,597 per year. Bolong is more than 100 km from Sydney CBD, so its driving figure is a flat regional allowance of about 20,000 km of household driving a year rather than a commute.
On public transport the gap is $11,597 per year, $11,450 from Back Forest versus $23,047 from Bolong.
Where the difference actually comes from
- Council rates is identical at $1,547 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Back Forest by $11,597 a year, $6,603 against $18,200.
- 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. What separates them is commute distance.
10-year cumulative cost projection
| Year | Back Forest cumulative | Bolong cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,450 | $23,047 | $11,597 |
| Year 3 | $35,391 | $71,236 | $35,845 |
| Year 5 | $60,790 | $122,360 | $61,570 |
| Year 10 | $131,261 | $264,208 | $132,947 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Back Forest or Bolong cheaper to live in?
Back Forest is cheaper to run by car at $11,450 per year versus $23,047 for Bolong, a difference of $11,597 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Back Forest and Bolong?
Annual council rates for a house are $1,547 in Back Forest (Shoalhaven rates (OLG) and $1,547 in Bolong (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Back Forest and $1,300 in Bolong. 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 Back Forest and Bolong?
Back Forest is $6,603 a year to drive to Wollongong CBD (ATO 91c/km). Bolong 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. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Back Forest and Bolong?
At 3% annual cost growth, Back Forest costs a cumulative $131,261 and Bolong costs $264,208 over 10 years by car. The cumulative difference is $132,947 in favour of Back Forest. Excludes purchase price, mortgage, and personal expenses.
Which of Back Forest and Bolong suits you better?
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Sources: Shoalhaven rates (OLG and Shoalhaven 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.