Barraganyatti vs Eungai Rail, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Barraganyatti (Kempsey rates (OLG) and Eungai Rail (Nambucca Valley rates (OLG) attract comparison from buyers considering suburbs across different council areas.
Eungai Rail runs $1,167 a year cheaper than Barraganyatti, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $13,378.
Over 10 years the gap between these two is about $13,400, about $26 a week, and most of it is the AI-estimated insurance line.
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Eungai Rail
Annual cost breakdown
| Category | Barraganyatti | Eungai Rail | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,492 | $1,175 | +$317 |
| 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 | $2,650 | $1,800 | +$850 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,642 | $22,475 | +$1,167 |
| Total (public transport) | $23,642 | $22,475 | +$1,167 |
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 | Barraganyatti | Eungai Rail | 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, Barraganyatti vs Eungai Rail (2026-27)
What the numbers show
Barraganyatti and Eungai Rail differ by $1,167 a year by car, but $850 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 $317, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $850 per year. Barraganyatti carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,167 per year, $23,642 from Barraganyatti versus $22,475 from Eungai Rail.
Where the difference actually comes from
- Council rates favours Eungai Rail by $317 a year, $1,175 against $1,492.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Eungai Rail by $850 a year, $1,800 against $2,650.
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 Barraganyatti against low in Eungai Rail, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Barraganyatti cumulative | Eungai Rail cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,642 | $22,475 | $1,167 |
| Year 3 | $73,075 | $69,468 | $3,607 |
| Year 5 | $125,519 | $119,323 | $6,196 |
| Year 10 | $271,029 | $257,651 | $13,378 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Barraganyatti or Eungai Rail cheaper to live in?
Neither is named cheaper. Barraganyatti runs $23,642 a year by car and Eungai Rail $22,475, but most of the $1,167 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $317. Source: SuburbCost 2026 data.
What are council rates in Barraganyatti and Eungai Rail?
Annual council rates for a house are $1,492 in Barraganyatti (Kempsey rates (OLG) and $1,175 in Eungai Rail (Nambucca Valley rates (OLG). Water and sewerage adds $1,300 in Barraganyatti and $1,300 in Eungai Rail. 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 Barraganyatti and Eungai Rail?
Barraganyatti 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. Eungai Rail 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 Barraganyatti and Eungai Rail?
At 3% annual cost growth, Barraganyatti costs a cumulative $271,029 and Eungai Rail costs $257,651 over 10 years by car. The cumulative difference is $13,378 in favour of Eungai Rail. Excludes purchase price, mortgage, and personal expenses.
Which of Barraganyatti and Eungai Rail suits you better?
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Sources: Kempsey rates (OLG and Nambucca Valley 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.