Bangalee vs Cambewarra Village: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Bangalee and Cambewarra Village are both Shoalhaven rates (OLG suburbs, sitting 123.9 km and 121.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Cambewarra Village runs $700 a year cheaper than Bangalee, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,024.
Over 10 years, Cambewarra Village costs about $8,000 less to run than Bangalee — the same as paying $8,000 less for the home. It's the cost no listing shows you.
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Cambewarra Village
Annual cost breakdown
| Category | Bangalee | Cambewarra Village | 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 | $2,400 | $1,700 | +$700 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,847 | $22,147 | +$700 |
| Total (public transport) | $7,647 | $6,947 | +$700 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bangalee | Cambewarra Village | 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 — Bangalee vs Cambewarra Village (2026-27)
What the numbers show
Cambewarra Village costs $700 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,024 in favour of Cambewarra Village.
The biggest single gap is home insurance at $700 per year.
On public transport the gap is $700 per year, $7,647 from Bangalee versus $6,947 from Cambewarra Village.
10-year cumulative cost projection
| Year | Bangalee cumulative | Cambewarra Village cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,847 | $22,147 | $700 |
| Year 3 | $70,618 | $68,454 | $2,164 |
| Year 5 | $121,298 | $117,581 | $3,717 |
| Year 10 | $261,915 | $253,891 | $8,024 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bangalee or Cambewarra Village cheaper to live in?
Cambewarra Village is cheaper to run by car at $22,147 per year versus $22,847 for Bangalee, a difference of $700 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bangalee and Cambewarra Village?
Annual council rates for a house are $1,547 in Bangalee (Shoalhaven rates (OLG) and $1,547 in Cambewarra Village (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Bangalee and $1,300 in Cambewarra Village. 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 Bangalee and Cambewarra Village?
Annual driving commute costs are $17,600 from Bangalee and $17,600 from Cambewarra Village to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Bangalee and $2,400 from Cambewarra Village.
What is the 10-year cost difference between Bangalee and Cambewarra Village?
At 3% annual cost growth, Bangalee costs a cumulative $261,915 and Cambewarra Village costs $253,891 over 10 years by car. The cumulative difference is $8,024 in favour of Cambewarra Village. Excludes purchase price, mortgage, and personal expenses.
Which of Bangalee and Cambewarra Village 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: 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.