Bargo vs Yanderra, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bargo and Yanderra are both Wollondilly rates (OLG suburbs, sitting 74.1 km and 76.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $228 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years the gap between these two is about $2,600, about $5 a week, and most of it is the AI-estimated insurance line.
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Yanderra
Annual cost breakdown
| Category | Bargo | Yanderra | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $2,195 | $2,195 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $3,237 | $3,359 | -$122 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,050 | $1,700 | +$350 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $9,030 | $8,802 | +$228 |
| Total (public transport) | $8,193 | $7,843 | +$350 |
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 | Bargo | Yanderra | 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, Bargo vs Yanderra (2026-27)
What the numbers show
Bargo and Yanderra differ by $228 a year by car, but $350 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 $122, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year.
On public transport the gap is $350 per year, $8,193 from Bargo versus $7,843 from Yanderra.
Where the difference actually comes from
- Council rates is identical at $2,195 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Bargo by $122 a year, $3,237 against $3,359.
- Building insurance favours Yanderra by $350 a year, $1,700 against $2,050.
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 and the insurance band.
Fire risk is rated high in Bargo against medium in Yanderra, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bargo cumulative | Yanderra cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,030 | $8,802 | $228 |
| Year 3 | $27,911 | $27,206 | $705 |
| Year 5 | $47,941 | $46,731 | $1,210 |
| Year 10 | $103,519 | $100,905 | $2,614 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bargo or Yanderra cheaper to live in?
Neither is named cheaper. Bargo runs $9,030 a year by car and Yanderra $8,802, but most of the $228 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $122. Source: SuburbCost 2026 data.
What are council rates in Bargo and Yanderra?
Annual council rates for a house are $2,195 in Bargo (Wollondilly rates (OLG) and $2,195 in Yanderra (Wollondilly rates (OLG). Water and sewerage adds $1,548 in Bargo and $1,548 in Yanderra. 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 Bargo and Yanderra?
Annual driving commute costs are $3,237 from Bargo and $3,359 from Yanderra to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Bargo and $2,400 from Yanderra.
What is the 10-year cost difference between Bargo and Yanderra?
At 3% annual cost growth, Bargo costs a cumulative $103,519 and Yanderra costs $100,905 over 10 years by car. The cumulative difference is $2,614 in favour of Yanderra. Excludes purchase price, mortgage, and personal expenses.
Which of Bargo and Yanderra suits you better?
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Sources: Wollondilly rates (OLG and Wollondilly 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.