Cambewarra vs Cambewarra Village: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Cambewarra and Cambewarra Village are both Shoalhaven rates (OLG suburbs, sitting 121.7 km and 121.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Cambewarra Village runs $300 a year cheaper than Cambewarra, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Cambewarra
Cambewarra Village
Annual cost breakdown
| Category | Cambewarra | Cambewarra Village | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $1,700 | +$300 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,447 | $22,147 | +$300 |
| Total (public transport) | $7,247 | $6,947 | +$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cambewarra | Cambewarra Village | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Cambewarra vs Cambewarra Village (2026-27)
What the numbers show
Cambewarra Village costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of Cambewarra Village.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,247 from Cambewarra versus $6,947 from Cambewarra Village.
10-year cumulative cost projection
| Year | Cambewarra cumulative | Cambewarra Village cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,447 | $22,147 | $300 |
| Year 3 | $69,381 | $68,454 | $927 |
| Year 5 | $119,174 | $117,581 | $1,593 |
| Year 10 | $257,330 | $253,891 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cambewarra or Cambewarra Village cheaper to live in?
Cambewarra Village is cheaper to run by car at $22,147 per year versus $22,447 for Cambewarra, a difference of $300 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cambewarra and Cambewarra Village?
Annual council rates for a house are $1,547 in Cambewarra (Shoalhaven rates (OLG) and $1,547 in Cambewarra Village (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Cambewarra and $1,300 in Cambewarra Village. 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 Cambewarra and Cambewarra Village?
Annual driving commute costs are $17,600 from Cambewarra and $17,600 from Cambewarra Village to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Cambewarra and $2,400 from Cambewarra Village.
What is the 10-year cost difference between Cambewarra and Cambewarra Village?
At 3% annual cost growth, Cambewarra costs a cumulative $257,330 and Cambewarra Village costs $253,891 over 10 years by car. The cumulative difference is $3,439 in favour of Cambewarra Village. Excludes purchase price, mortgage, and personal expenses.
Which of Cambewarra and Cambewarra Village 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: Shoalhaven rates (OLG and Shoalhaven 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.