Carlaminda vs Dangelong: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Carlaminda and Dangelong are both Snowy Monaro Regional rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Dangelong runs $1,100 a year cheaper than Carlaminda, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $12,610.
Over 10 years, Dangelong costs about $12,600 less to run than Carlaminda — the same as paying $12,600 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Carlaminda
Dangelong
Annual cost breakdown
| Category | Carlaminda | Dangelong | Difference |
|---|---|---|---|
| Council rates | $1,306 | $1,306 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $2,000 | +$1,100 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,906 | $22,806 | +$1,100 |
| Total (public transport) | $8,106 | $7,006 | +$1,100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Carlaminda | Dangelong | Difference |
|---|---|---|---|
| House | $3,257 | $3,257 | - |
| Unit | $2,691 | $2,691 | - |
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 — Carlaminda vs Dangelong (2026-27)
What the numbers show
Dangelong costs $1,100 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $12,610 in favour of Dangelong.
The biggest single gap is home insurance at $1,100 per year. Carlaminda carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $8,106 from Carlaminda versus $7,006 from Dangelong.
Where the difference actually comes from
- Council rates is identical at $1,306 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Dangelong by $1,100 a year, $2,000 against $3,100.
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.
Flood risk is rated high in Carlaminda against low in Dangelong, which feeds the insurance estimate. The catchment state school scores 5.3 in Carlaminda against 4 in Dangelong, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Carlaminda cumulative | Dangelong cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,906 | $22,806 | $1,100 |
| Year 3 | $73,891 | $70,491 | $3,400 |
| Year 5 | $126,920 | $121,080 | $5,840 |
| Year 10 | $274,055 | $261,445 | $12,610 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Carlaminda or Dangelong cheaper to live in?
Dangelong is cheaper to run by car at $22,806 per year versus $23,906 for Carlaminda, a difference of $1,100 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Carlaminda and Dangelong?
Annual council rates for a house are $1,306 in Carlaminda (Snowy Monaro Regional rates (OLG) and $1,306 in Dangelong (Snowy Monaro Regional rates (OLG). Water and sewerage adds $1,300 in Carlaminda and $1,300 in Dangelong. 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 Carlaminda and Dangelong?
Carlaminda carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Dangelong carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Public transport costs $2,400 from Carlaminda and $2,400 from Dangelong.
What is the 10-year cost difference between Carlaminda and Dangelong?
At 3% annual cost growth, Carlaminda costs a cumulative $274,055 and Dangelong costs $261,445 over 10 years by car. The cumulative difference is $12,610 in favour of Dangelong. Excludes purchase price, mortgage, and personal expenses.
Which of Carlaminda and Dangelong 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.