Berringer Lake vs Manyana: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Berringer Lake and Manyana are both Shoalhaven rates (OLG suburbs, sitting 166.9 km and 166.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Berringer Lake runs $650 a year cheaper than Manyana, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,452.
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 →Berringer Lake
Manyana
Annual cost breakdown
| Category | Berringer Lake | Manyana | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $3,500 | -$650 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,297 | $23,947 | -$650 |
| Total (public transport) | $8,097 | $8,747 | -$650 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Berringer Lake | Manyana | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Berringer Lake vs Manyana (2026-27)
What the numbers show
Berringer Lake costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,452 in favour of Berringer Lake.
The biggest single gap is home insurance at $650 per year. Manyana carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,097 from Berringer Lake versus $8,747 from Manyana.
10-year cumulative cost projection
| Year | Berringer Lake cumulative | Manyana cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,297 | $23,947 | $650 |
| Year 3 | $72,009 | $74,018 | $2,009 |
| Year 5 | $123,687 | $127,138 | $3,451 |
| Year 10 | $267,074 | $274,526 | $7,452 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Berringer Lake or Manyana cheaper to live in?
Berringer Lake is cheaper to run by car at $23,297 per year versus $23,947 for Manyana, a difference of $650 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Berringer Lake and Manyana?
Annual council rates for a house are $1,547 in Berringer Lake (Shoalhaven rates (OLG) and $1,547 in Manyana (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Berringer Lake and $1,300 in Manyana. 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 Berringer Lake and Manyana?
Annual driving commute costs are $17,600 from Berringer Lake and $17,600 from Manyana to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Berringer Lake and $2,400 from Manyana.
What is the 10-year cost difference between Berringer Lake and Manyana?
At 3% annual cost growth, Berringer Lake costs a cumulative $267,074 and Manyana costs $274,526 over 10 years by car. The cumulative difference is $7,452 in favour of Berringer Lake. Excludes purchase price, mortgage, and personal expenses.
Which of Berringer Lake and Manyana 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: Shoalhaven rates (OLG and Shoalhaven 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.