Brogers Creek vs Budderoo, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Brogers Creek (Shoalhaven rates (OLG) and Budderoo (Kiama rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Wollongong CBD (35.4 km and 32.9 km).
Brogers Creek runs $783 a year cheaper than Budderoo, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $8,976.
Over 10 years, Brogers Creek costs about $9,000 less to run than Budderoo. That's about $17 a week.
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Budderoo
Annual cost breakdown
| Category | Brogers Creek | Budderoo | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,959 | -$412 |
| Water & sewerage Estimated | $1,300 | $1,548 | -$248 |
| Commute (driving) Modelled, 2026-27 | $6,896 | $6,769 | +$127 |
| Commute (public transport) Modelled, 2026-27 | $6,896 | $2,400 | +$4,496 |
| Home insurance Estimated | $1,550 | $1,800 | -$250 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $11,293 | $12,076 | -$783 |
| Total (public transport) | $11,293 | $7,707 | +$3,586 |
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 | Brogers Creek | Budderoo | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Brogers Creek vs Budderoo (2026-27)
What the numbers show
Brogers Creek costs $783 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,976 in favour of Brogers Creek.
The biggest single gap is council rates at $412 per year.
On public transport the gap is $3,586 per year, $11,293 from Brogers Creek versus $7,707 from Budderoo.
Where the difference actually comes from
- Council rates favours Brogers Creek by $412 a year, $1,547 against $1,959.
- Water and sewerage favours Brogers Creek by $248 a year, $1,300 against $1,548.
- Driving commute favours Budderoo by $127 a year, $6,769 against $6,896.
- Building insurance favours Brogers Creek by $250 a year, $1,550 against $1,800.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
10-year cumulative cost projection
| Year | Brogers Creek cumulative | Budderoo cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,293 | $12,076 | $783 |
| Year 3 | $34,906 | $37,326 | $2,420 |
| Year 5 | $59,956 | $64,113 | $4,157 |
| Year 10 | $129,462 | $138,438 | $8,976 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Brogers Creek or Budderoo cheaper to live in?
Brogers Creek is cheaper to run by car at $11,293 per year versus $12,076 for Budderoo, a difference of $783 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Brogers Creek and Budderoo?
Annual council rates for a house are $1,547 in Brogers Creek (Shoalhaven rates (OLG) and $1,959 in Budderoo (Kiama rates (OLG). Water and sewerage adds $1,300 in Brogers Creek and $1,548 in Budderoo. 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 Brogers Creek and Budderoo?
Annual driving commute costs are $6,896 from Brogers Creek and $6,769 from Budderoo to Wollongong CBD (ATO 91c/km). Public transport costs $2,400 from Budderoo. No daily public transport commute is assumed from Brogers Creek, so it is costed by car.
What is the 10-year cost difference between Brogers Creek and Budderoo?
At 3% annual cost growth, Brogers Creek costs a cumulative $129,462 and Budderoo costs $138,438 over 10 years by car. The cumulative difference is $8,976 in favour of Brogers Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Brogers Creek and Budderoo suits you better?
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Related comparisons
Sources: Shoalhaven rates (OLG and Kiama 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.