Beaumont vs Cambewarra Village, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Beaumont and Cambewarra Village are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Beaumont runs $11,164 a year cheaper than Cambewarra Village, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $127,983.
Over 10 years, Beaumont costs about $128,000 less to run than Cambewarra Village. That's about $246 a week.
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Cambewarra Village
Annual cost breakdown
| Category | Beaumont | Cambewarra Village | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,547 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,586 | $18,200 | -$11,614 |
| Commute (public transport) Modelled, 2026-27 | $6,586 | $18,200 | -$11,614 |
| Home insurance Estimated | $1,550 | $1,100 | +$450 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $10,983 | $22,147 | -$11,164 |
| Total (public transport) | $10,983 | $22,147 | -$11,164 |
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 | Beaumont | Cambewarra Village | 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, Beaumont vs Cambewarra Village (2026-27)
What the numbers show
Beaumont costs $11,164 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $127,983 in favour of Beaumont.
The biggest single gap is commute costs at $11,614 per year. Cambewarra Village is more than 100 km from Sydney CBD, so its driving figure is a flat regional allowance of about 20,000 km of household driving a year rather than a commute.
On public transport the gap is $11,164 per year, $10,983 from Beaumont versus $22,147 from Cambewarra Village.
Where the difference actually comes from
- Council rates is identical at $1,547 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Beaumont by $11,614 a year, $6,586 against $18,200.
- Building insurance favours Cambewarra Village by $450 a year, $1,100 against $1,550.
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 Beaumont against low in Cambewarra Village, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Beaumont cumulative | Cambewarra Village cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,983 | $22,147 | $11,164 |
| Year 3 | $33,947 | $68,454 | $34,507 |
| Year 5 | $58,310 | $117,581 | $59,271 |
| Year 10 | $125,908 | $253,891 | $127,983 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Beaumont or Cambewarra Village cheaper to live in?
Beaumont is cheaper to run by car at $10,983 per year versus $22,147 for Cambewarra Village, a difference of $11,164 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Beaumont and Cambewarra Village?
Annual council rates for a house are $1,547 in Beaumont (Shoalhaven rates (OLG) and $1,547 in Cambewarra Village (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Beaumont 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 Beaumont and Cambewarra Village?
Beaumont is $6,586 a year to drive to Wollongong CBD (ATO 91c/km). Cambewarra Village 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 Beaumont and Cambewarra Village?
At 3% annual cost growth, Beaumont costs a cumulative $125,908 and Cambewarra Village costs $253,891 over 10 years by car. The cumulative difference is $127,983 in favour of Beaumont. Excludes purchase price, mortgage, and personal expenses.
Which of Beaumont and Cambewarra Village suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.