Combaning vs Temora: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Combaning and Temora are both Temora rates (OLG suburbs, sitting 336.2 km and 339.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Combaning runs $750 a year cheaper than Temora, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,597.
Over 10 years, Combaning costs about $8,600 less to run than Temora — the same as paying $8,600 less for the home. It's the cost no listing shows you.
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Temora
Annual cost breakdown
| Category | Combaning | Temora | Difference |
|---|---|---|---|
| Council rates | $743 | $743 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,700 | $2,450 | -$750 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $21,343 | $22,093 | -$750 |
| Total (public transport) | $6,143 | $6,893 | -$750 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Combaning | Temora | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — Combaning vs Temora (2026-27)
What the numbers show
Combaning costs $750 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,597 in favour of Combaning.
The biggest single gap is home insurance at $750 per year. Temora carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $750 per year, $6,143 from Combaning versus $6,893 from Temora.
10-year cumulative cost projection
| Year | Combaning cumulative | Temora cumulative | Difference |
|---|---|---|---|
| Year 1 | $21,343 | $22,093 | $750 |
| Year 3 | $65,969 | $68,287 | $2,318 |
| Year 5 | $113,313 | $117,295 | $3,982 |
| Year 10 | $244,674 | $253,271 | $8,597 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Combaning or Temora cheaper to live in?
Combaning is cheaper to run by car at $21,343 per year versus $22,093 for Temora, a difference of $750 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Combaning and Temora?
Annual council rates for a house are $743 in Combaning (Temora rates (OLG) and $743 in Temora (Temora rates (OLG). Water and sewerage adds $1,300 in Combaning and $1,300 in Temora. 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 Combaning and Temora?
Annual driving commute costs are $17,600 from Combaning and $17,600 from Temora to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Combaning and $2,400 from Temora.
What is the 10-year cost difference between Combaning and Temora?
At 3% annual cost growth, Combaning costs a cumulative $244,674 and Temora costs $253,271 over 10 years by car. The cumulative difference is $8,597 in favour of Combaning. Excludes purchase price, mortgage, and personal expenses.
Which of Combaning and Temora 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: Temora rates (OLG and Temora 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.