Bellambi vs Woonona: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Bellambi and Woonona are both Wollongong rates (OLG suburbs, sitting 61.7 km and 60.2 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $266 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 →Bellambi
Woonona
Annual cost breakdown
| Category | Bellambi | Woonona | Difference |
|---|---|---|---|
| Council rates | $1,819 | $1,819 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $4,769 | $5,035 | -$266 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $11,236 | $11,502 | -$266 |
| Total (public transport) | $8,867 | $8,867 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Bellambi | Woonona | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Bellambi vs Woonona (2026-27)
What the numbers show
Bellambi and Woonona cost within $266 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,050, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $266 per year. Bellambi is 61.7 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,867 and $8,867 a year, so the $266 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Bellambi cumulative | Woonona cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,236 | $11,502 | $266 |
| Year 3 | $34,729 | $35,552 | $823 |
| Year 5 | $59,653 | $61,066 | $1,413 |
| Year 10 | $128,808 | $131,858 | $3,050 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bellambi or Woonona cheaper to live in?
Bellambi is cheaper to run by car at $11,236 per year versus $11,502 for Woonona, a difference of $266 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bellambi and Woonona?
Annual council rates for a house are $1,819 in Bellambi (Wollongong rates (OLG) and $1,819 in Woonona (Wollongong rates (OLG). Water and sewerage adds $1,548 in Bellambi and $1,548 in Woonona. 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 Bellambi and Woonona?
Annual driving commute costs are $4,769 from Bellambi and $5,035 from Woonona to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Bellambi and $2,400 from Woonona.
What is the 10-year cost difference between Bellambi and Woonona?
At 3% annual cost growth, Bellambi costs a cumulative $128,808 and Woonona costs $131,858 over 10 years by car. The cumulative difference is $3,050 in favour of Bellambi. Excludes purchase price, mortgage, and personal expenses.
Which of Bellambi and Woonona 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.
Related comparisons
Sources: Wollongong rates (OLG and Wollongong rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.