Badagarang vs Bomaderry: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Badagarang and Bomaderry are both Shoalhaven rates (OLG suburbs, sitting 122.3 km and 122.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Badagarang runs $800 a year cheaper than Bomaderry, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,171.
Over 10 years, Badagarang costs about $9,200 less to run than Bomaderry — the same as paying $9,200 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Badagarang
Bomaderry
Annual cost breakdown
| Category | Badagarang | Bomaderry | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,800 | -$800 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,447 | $23,247 | -$800 |
| Total (public transport) | $7,247 | $8,047 | -$800 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Badagarang | Bomaderry | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Badagarang vs Bomaderry (2026-27)
What the numbers show
Badagarang costs $800 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,171 in favour of Badagarang.
The biggest single gap is home insurance at $800 per year. Bomaderry carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $800 per year, $7,247 from Badagarang versus $8,047 from Bomaderry.
10-year cumulative cost projection
| Year | Badagarang cumulative | Bomaderry cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,447 | $23,247 | $800 |
| Year 3 | $69,381 | $71,854 | $2,473 |
| Year 5 | $119,174 | $123,421 | $4,247 |
| Year 10 | $257,330 | $266,501 | $9,171 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Badagarang or Bomaderry cheaper to live in?
Badagarang is cheaper to run by car at $22,447 per year versus $23,247 for Bomaderry, a difference of $800 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Badagarang and Bomaderry?
Annual council rates for a house are $1,547 in Badagarang (Shoalhaven rates (OLG) and $1,547 in Bomaderry (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Badagarang and $1,300 in Bomaderry. 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 Badagarang and Bomaderry?
Annual driving commute costs are $17,600 from Badagarang and $17,600 from Bomaderry to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Badagarang and $2,400 from Bomaderry.
What is the 10-year cost difference between Badagarang and Bomaderry?
At 3% annual cost growth, Badagarang costs a cumulative $257,330 and Bomaderry costs $266,501 over 10 years by car. The cumulative difference is $9,171 in favour of Badagarang. Excludes purchase price, mortgage, and personal expenses.
Which of Badagarang and Bomaderry 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: Shoalhaven rates (OLG and Shoalhaven 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.