Bonville vs Valery, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bonville and Valery are both Coffs Harbour rates (OLG suburbs, sitting 13.4 km and 17.4 km from Coffs Harbour CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bonville runs $460 a year cheaper than Valery, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $5,274.
Over 10 years the gap between these two is about $5,300, about $10 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan →Bonville
Valery
Annual cost breakdown
| Category | Bonville | Valery | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,490 | $1,490 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $3,898 | $4,758 | -$860 |
| Commute (public transport) Modelled, 2026-27 | $3,898 | $4,758 | -$860 |
| Home insurance Estimated | $2,550 | $2,150 | +$400 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $9,238 | $9,698 | -$460 |
| Total (public transport) | $9,238 | $9,698 | -$460 |
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 | Bonville | Valery | 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, Bonville vs Valery (2026-27)
What the numbers show
Bonville and Valery differ by $460 a year by car, but $400 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 $860, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $860 per year. Valery is 17.4 km from Coffs Harbour CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $460 per year, $9,238 from Bonville versus $9,698 from Valery.
Where the difference actually comes from
- Council rates is identical at $1,490 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Bonville by $860 a year, $3,898 against $4,758.
- Building insurance favours Valery by $400 a year, $2,150 against $2,550.
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.
Flood risk is rated medium in Bonville against low in Valery, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bonville cumulative | Valery cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,238 | $9,698 | $460 |
| Year 3 | $28,554 | $29,976 | $1,422 |
| Year 5 | $49,046 | $51,488 | $2,442 |
| Year 10 | $105,903 | $111,177 | $5,274 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bonville or Valery cheaper to live in?
Neither is named cheaper. Bonville runs $9,238 a year by car and Valery $9,698, but most of the $460 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $860. Source: SuburbCost 2026 data.
What are council rates in Bonville and Valery?
Annual council rates for a house are $1,490 in Bonville (Coffs Harbour rates (OLG) and $1,490 in Valery (Coffs Harbour rates (OLG). Water and sewerage adds $1,300 in Bonville and $1,300 in Valery. 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 Bonville and Valery?
Annual driving commute costs are $3,898 from Bonville and $4,758 from Valery to Coffs Harbour CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Bonville and Valery?
At 3% annual cost growth, Bonville costs a cumulative $105,903 and Valery costs $111,177 over 10 years by car. The cumulative difference is $5,274 in favour of Bonville. Excludes purchase price, mortgage, and personal expenses.
Which of Bonville and Valery suits you better?
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: Coffs Harbour rates (OLG and Coffs Harbour 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.