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 $800 a year cheaper than Carlaminda, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,172.
Over 10 years the gap between these two is about $9,200, about $18 a week, and most of it is the AI-estimated insurance line.
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Dangelong
Annual cost breakdown
| Category | Carlaminda | Dangelong | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,306 | $1,306 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,350 | $1,550 | +$800 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,156 | $22,356 | +$800 |
| Total (public transport) | $23,156 | $22,356 | +$800 |
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 | 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
Carlaminda and Dangelong differ by $800 a year by car, but $800 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $800 per year. Carlaminda carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $800 per year, $23,156 from Carlaminda versus $22,356 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 $800 a year, $1,550 against $2,350.
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 | $23,156 | $22,356 | $800 |
| Year 3 | $71,573 | $69,100 | $2,473 |
| Year 5 | $122,938 | $118,691 | $4,247 |
| Year 10 | $265,458 | $256,286 | $9,172 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Carlaminda or Dangelong cheaper to live in?
Neither is named cheaper. Carlaminda runs $23,156 a year by car and Dangelong $22,356, but most of the $800 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. 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. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Carlaminda and Dangelong?
At 3% annual cost growth, Carlaminda costs a cumulative $265,458 and Dangelong costs $256,286 over 10 years by car. The cumulative difference is $9,172 in favour of Dangelong. Excludes purchase price, mortgage, and personal expenses.
Which of Carlaminda and Dangelong suits you better?
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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 insurance estimates from ACCC premium rates. Data updated July 2026.