Bannister vs Mummel: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bannister (Upper Lachlan rates (OLG) and Mummel (Goulburn Mulwaree rates (OLG) attract comparison from buyers considering suburbs across different council areas.
Bannister runs $766 a year cheaper than Mummel, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $8,781.
Over 10 years, Bannister costs about $8,800 less to run than Mummel — the same as paying $8,800 less for the home. It's the cost no listing shows you.
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Mummel
Annual cost breakdown
| Category | Bannister | Mummel | Difference |
|---|---|---|---|
| Council rates | $667 | $1,433 | -$766 |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,167 | $22,933 | -$766 |
| Total (public transport) | $6,367 | $7,133 | -$766 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bannister | Mummel | Difference |
|---|---|---|---|
| House | $3,257 | $3,257 | - |
| Unit | $2,691 | $2,691 | - |
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 — Bannister vs Mummel (2026-27)
What the numbers show
Bannister costs $766 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,781 in favour of Bannister.
The biggest single gap is council rates at $766 per year.
On public transport the gap is $766 per year, $6,367 from Bannister versus $7,133 from Mummel.
Where the difference actually comes from
- Council rates favours Bannister by $766 a year, $667 against $1,433.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,000 a year.
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.
10-year cumulative cost projection
| Year | Bannister cumulative | Mummel cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,167 | $22,933 | $766 |
| Year 3 | $68,516 | $70,884 | $2,368 |
| Year 5 | $117,688 | $121,754 | $4,066 |
| Year 10 | $254,120 | $262,901 | $8,781 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bannister or Mummel cheaper to live in?
Bannister is cheaper to run by car at $22,167 per year versus $22,933 for Mummel, a difference of $766 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bannister and Mummel?
Annual council rates for a house are $667 in Bannister (Upper Lachlan rates (OLG) and $1,433 in Mummel (Goulburn Mulwaree rates (OLG). Water and sewerage adds $1,300 in Bannister and $1,300 in Mummel. 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 Bannister and Mummel?
Bannister 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. Mummel 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. Public transport costs $2,400 from Bannister and $2,400 from Mummel.
What is the 10-year cost difference between Bannister and Mummel?
At 3% annual cost growth, Bannister costs a cumulative $254,120 and Mummel costs $262,901 over 10 years by car. The cumulative difference is $8,781 in favour of Bannister. Excludes purchase price, mortgage, and personal expenses.
Which of Bannister and Mummel 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: Upper Lachlan rates (OLG and Goulburn Mulwaree rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.