Bagotville vs Dungarubba, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bagotville (Ballina Shire Council rates (IPART approved SRV, 6% in) and Dungarubba (Lismore rates (OLG) attract comparison from buyers considering suburbs across different council areas.
Bagotville runs $950 a year cheaper than Dungarubba, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,891.
Over 10 years the gap between these two is about $10,900, about $21 a week, and most of it is the AI-estimated insurance line.
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Dungarubba
Annual cost breakdown
| Category | Bagotville | Dungarubba | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,384 | $1,534 | -$150 |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,000 | $2,800 | -$800 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,884 | $23,834 | -$950 |
| Total (public transport) | $22,884 | $23,834 | -$950 |
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 | Bagotville | Dungarubba | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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, Bagotville vs Dungarubba (2026-27)
What the numbers show
Bagotville and Dungarubba differ by $950 a year by car, but $800 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 $150, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $800 per year. Dungarubba carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $950 per year, $22,884 from Bagotville versus $23,834 from Dungarubba.
Where the difference actually comes from
- Council rates favours Bagotville by $150 a year, $1,384 against $1,534.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Bagotville by $800 a year, $2,000 against $2,800.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated high in Dungarubba against medium in Bagotville, which feeds the insurance estimate. Fire risk is rated high in Bagotville against medium in Dungarubba, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bagotville cumulative | Dungarubba cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,884 | $23,834 | $950 |
| Year 3 | $70,732 | $73,669 | $2,937 |
| Year 5 | $121,494 | $126,538 | $5,044 |
| Year 10 | $262,339 | $273,230 | $10,891 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bagotville or Dungarubba cheaper to live in?
Neither is named cheaper. Bagotville runs $22,884 a year by car and Dungarubba $23,834, but most of the $950 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $150. Source: SuburbCost 2026 data.
What are council rates in Bagotville and Dungarubba?
Annual council rates for a house are $1,384 in Bagotville (Ballina Shire Council rates (IPART approved SRV, 6% in) and $1,534 in Dungarubba (Lismore rates (OLG). Water and sewerage adds $1,300 in Bagotville and $1,300 in Dungarubba. 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 Bagotville and Dungarubba?
Bagotville 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. Dungarubba 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 Bagotville and Dungarubba?
At 3% annual cost growth, Bagotville costs a cumulative $262,339 and Dungarubba costs $273,230 over 10 years by car. The cumulative difference is $10,891 in favour of Bagotville. Excludes purchase price, mortgage, and personal expenses.
Which of Bagotville and Dungarubba suits you better?
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Sources: Ballina Shire Council rates (IPART approved SRV, 6% in and Lismore 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.