Colebee vs Nirimba Fields: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Colebee and Nirimba Fields are both Blacktown City Council rates (IPART approved SRV, 11.54% adopted for suburbs, sitting 35.7 km and 35.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Nirimba Fields runs $303 a year cheaper than Colebee, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,474.
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 →Colebee
Nirimba Fields
Annual cost breakdown
| Category | Colebee | Nirimba Fields | Difference |
|---|---|---|---|
| Council rates | $1,360 | $1,360 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,680 | $6,677 | +$3 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,600 | $2,300 | +$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,188 | $11,885 | +$303 |
| Total (public transport) | $7,908 | $7,608 | +$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 | Colebee | Nirimba Fields | 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 — Colebee vs Nirimba Fields (2026-27)
What the numbers show
Nirimba Fields costs $303 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,474 in favour of Nirimba Fields.
The biggest single gap is home insurance at $300 per year. Colebee carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $7,908 from Colebee versus $7,608 from Nirimba Fields.
10-year cumulative cost projection
| Year | Colebee cumulative | Nirimba Fields cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,188 | $11,885 | $303 |
| Year 3 | $37,672 | $36,735 | $937 |
| Year 5 | $64,708 | $63,099 | $1,609 |
| Year 10 | $139,722 | $136,248 | $3,474 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Colebee or Nirimba Fields cheaper to live in?
Nirimba Fields is cheaper to run by car at $11,885 per year versus $12,188 for Colebee, a difference of $303 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Colebee and Nirimba Fields?
Annual council rates for a house are $1,360 in Colebee (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) and $1,360 in Nirimba Fields (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Colebee and $1,548 in Nirimba Fields. 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 Colebee and Nirimba Fields?
Annual driving commute costs are $6,680 from Colebee and $6,677 from Nirimba Fields to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Colebee and $2,400 from Nirimba Fields.
What is the 10-year cost difference between Colebee and Nirimba Fields?
At 3% annual cost growth, Colebee costs a cumulative $139,722 and Nirimba Fields costs $136,248 over 10 years by car. The cumulative difference is $3,474 in favour of Nirimba Fields. Excludes purchase price, mortgage, and personal expenses.
Which of Colebee and Nirimba Fields 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: Blacktown City Council rates (IPART approved SRV, 11.54% adopted for and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for 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.