Bogan vs Tottenham: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Bogan and Tottenham are both Lachlan rates (OLG suburbs, sitting 403.7 km and 404.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Tottenham runs $650 a year cheaper than Bogan, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,451.
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 →Bogan
Tottenham
Annual cost breakdown
| Category | Bogan | Tottenham | Difference |
|---|---|---|---|
| Council rates | $776 | $776 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $2,450 | +$650 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,776 | $22,126 | +$650 |
| Total (public transport) | $7,576 | $6,926 | +$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 | Bogan | Tottenham | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — Bogan vs Tottenham (2026-27)
What the numbers show
Tottenham costs $650 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,451 in favour of Tottenham.
The biggest single gap is home insurance at $650 per year. Bogan carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $7,576 from Bogan versus $6,926 from Tottenham.
10-year cumulative cost projection
| Year | Bogan cumulative | Tottenham cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,776 | $22,126 | $650 |
| Year 3 | $70,398 | $68,389 | $2,009 |
| Year 5 | $120,921 | $117,470 | $3,451 |
| Year 10 | $261,101 | $253,650 | $7,451 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bogan or Tottenham cheaper to live in?
Tottenham is cheaper to run by car at $22,126 per year versus $22,776 for Bogan, 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 Bogan and Tottenham?
Annual council rates for a house are $776 in Bogan (Lachlan rates (OLG) and $776 in Tottenham (Lachlan rates (OLG). Water and sewerage adds $1,300 in Bogan and $1,300 in Tottenham. 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 Bogan and Tottenham?
Annual driving commute costs are $17,600 from Bogan and $17,600 from Tottenham to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Bogan and $2,400 from Tottenham.
What is the 10-year cost difference between Bogan and Tottenham?
At 3% annual cost growth, Bogan costs a cumulative $261,101 and Tottenham costs $253,650 over 10 years by car. The cumulative difference is $7,451 in favour of Tottenham. Excludes purchase price, mortgage, and personal expenses.
Which of Bogan and Tottenham 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: Lachlan rates (OLG and Lachlan 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.