Broughton Village vs Foxground: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Broughton Village and Foxground are both Kiama rates (OLG suburbs, sitting 106 km and 101.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Broughton Village runs $400 a year cheaper than Foxground, 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 →Broughton Village
Foxground
Annual cost breakdown
| Category | Broughton Village | Foxground | Difference |
|---|---|---|---|
| Council rates | $1,959 | $1,959 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,400 | -$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,107 | $23,507 | -$400 |
| Total (public transport) | $7,907 | $8,307 | -$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 | Broughton Village | Foxground | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Broughton Village vs Foxground (2026-27)
What the numbers show
Broughton Village 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 Broughton Village.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,907 from Broughton Village versus $8,307 from Foxground.
10-year cumulative cost projection
| Year | Broughton Village cumulative | Foxground cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,107 | $23,507 | $400 |
| Year 3 | $71,421 | $72,658 | $1,237 |
| Year 5 | $122,678 | $124,802 | $2,124 |
| Year 10 | $264,896 | $269,481 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Broughton Village or Foxground cheaper to live in?
Broughton Village is cheaper to run by car at $23,107 per year versus $23,507 for Foxground, 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 Broughton Village and Foxground?
Annual council rates for a house are $1,959 in Broughton Village (Kiama rates (OLG) and $1,959 in Foxground (Kiama rates (OLG). Water and sewerage adds $1,548 in Broughton Village and $1,548 in Foxground. 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 Broughton Village and Foxground?
Annual driving commute costs are $17,600 from Broughton Village and $17,600 from Foxground to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Broughton Village and $2,400 from Foxground.
What is the 10-year cost difference between Broughton Village and Foxground?
At 3% annual cost growth, Broughton Village costs a cumulative $264,896 and Foxground costs $269,481 over 10 years by car. The cumulative difference is $4,585 in favour of Broughton Village. Excludes purchase price, mortgage, and personal expenses.
Which of Broughton Village and Foxground 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: Kiama rates (OLG and Kiama 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.