Broken Dam vs Providence Portal: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Broken Dam and Providence Portal are both Snowy Monaro Regional rates (OLG suburbs, sitting 335.1 km and 331.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Providence Portal runs $400 a year cheaper than Broken Dam, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
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 →Broken Dam
Providence Portal
Annual cost breakdown
| Category | Broken Dam | Providence Portal | Difference |
|---|---|---|---|
| Council rates | $1,306 | $1,306 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,606 | $22,206 | +$400 |
| Total (public transport) | $7,406 | $7,006 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Broken Dam | Providence Portal | Difference |
|---|---|---|---|
| House | $2,554 | $2,554 | - |
| Unit | $2,020 | $2,020 | - |
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 — Broken Dam vs Providence Portal (2026-27)
What the numbers show
Providence Portal costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Providence Portal.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,406 from Broken Dam versus $7,006 from Providence Portal.
10-year cumulative cost projection
| Year | Broken Dam cumulative | Providence Portal cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,606 | $22,206 | $400 |
| Year 3 | $69,873 | $68,637 | $1,236 |
| Year 5 | $120,018 | $117,895 | $2,123 |
| Year 10 | $259,152 | $254,567 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Broken Dam or Providence Portal cheaper to live in?
Providence Portal is cheaper to run by car at $22,206 per year versus $22,606 for Broken Dam, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Broken Dam and Providence Portal?
Annual council rates for a house are $1,306 in Broken Dam (Snowy Monaro Regional rates (OLG) and $1,306 in Providence Portal (Snowy Monaro Regional rates (OLG). Water and sewerage adds $1,300 in Broken Dam and $1,300 in Providence Portal. 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 Broken Dam and Providence Portal?
Annual driving commute costs are $17,600 from Broken Dam and $17,600 from Providence Portal to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Broken Dam and $2,400 from Providence Portal.
What is the 10-year cost difference between Broken Dam and Providence Portal?
At 3% annual cost growth, Broken Dam costs a cumulative $259,152 and Providence Portal costs $254,567 over 10 years by car. The cumulative difference is $4,585 in favour of Providence Portal. Excludes purchase price, mortgage, and personal expenses.
Which of Broken Dam and Providence Portal 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: Snowy Monaro Regional rates (OLG and Snowy Monaro Regional 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.