Bourkelands vs Lloyd, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Bourkelands and Lloyd are both Wagga Wagga rates (OLG suburbs, sitting 5.4 km and 5.4 km from Wagga Wagga CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bourkelands runs $300 a year cheaper than Lloyd, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
Over 10 years the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
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Lloyd
Annual cost breakdown
| Category | Bourkelands | Lloyd | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,294 | $1,294 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,760 | $1,760 | - |
| Commute (public transport) Modelled, 2026-27 | $1,760 | $1,760 | - |
| Home insurance Estimated | $1,550 | $1,850 | -$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $5,904 | $6,204 | -$300 |
| Total (public transport) | $5,904 | $6,204 | -$300 |
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 | Bourkelands | Lloyd | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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, Bourkelands vs Lloyd (2026-27)
What the numbers show
Bourkelands and Lloyd differ by $300 a year by car, but $300 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 $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $5,904 from Bourkelands versus $6,204 from Lloyd.
Where the difference actually comes from
- Council rates is identical at $1,294 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $1,760 a year.
- Building insurance favours Bourkelands by $300 a year, $1,550 against $1,850.
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 the insurance band.
Fire risk is rated medium in Lloyd against low in Bourkelands, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Bourkelands cumulative | Lloyd cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,904 | $6,204 | $300 |
| Year 3 | $18,249 | $19,176 | $927 |
| Year 5 | $31,345 | $32,938 | $1,593 |
| Year 10 | $67,683 | $71,122 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bourkelands or Lloyd cheaper to live in?
Neither is named cheaper. Bourkelands runs $5,904 a year by car and Lloyd $6,204, but most of the $300 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Bourkelands and Lloyd?
Annual council rates for a house are $1,294 in Bourkelands (Wagga Wagga rates (OLG) and $1,294 in Lloyd (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in Bourkelands and $1,300 in Lloyd. 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 Bourkelands and Lloyd?
Annual driving commute costs are $1,760 from Bourkelands and $1,760 from Lloyd to Wagga Wagga 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 Bourkelands and Lloyd?
At 3% annual cost growth, Bourkelands costs a cumulative $67,683 and Lloyd costs $71,122 over 10 years by car. The cumulative difference is $3,439 in favour of Bourkelands. Excludes purchase price, mortgage, and personal expenses.
Which of Bourkelands and Lloyd suits you better?
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Sources: Wagga Wagga rates (OLG and Wagga Wagga 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.