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 $278 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 these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bargo
Yanderra
Annual cost breakdown
| Category | Bargo | Yanderra | Difference |
|---|---|---|---|
| Council rates | $2,195 | $2,195 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $3,237 | $3,359 | -$122 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $9,380 | $9,102 | +$278 |
| Total (public transport) | $8,543 | $8,143 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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 cost within $278 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,187, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $8,543 from Bargo versus $8,143 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 $400 a year, $2,000 against $2,400.
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 | $9,380 | $9,102 | $278 |
| Year 3 | $28,993 | $28,133 | $860 |
| Year 5 | $49,800 | $48,324 | $1,476 |
| Year 10 | $107,531 | $104,344 | $3,187 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bargo or Yanderra cheaper to live in?
Yanderra is cheaper to run by car at $9,102 per year versus $9,380 for Bargo, a difference of $278 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. 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 $107,531 and Yanderra costs $104,344 over 10 years by car. The cumulative difference is $3,187 in favour of Yanderra. Excludes purchase price, mortgage, and personal expenses.
Which of Bargo and Yanderra 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: 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 AI insurance estimates. Data updated July 2026.