Combaning vs Temora: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Combaning and Temora are both Temora rates (OLG suburbs, 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 $8,598.
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.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Combaning
Temora
Annual cost breakdown
| Category | Combaning | Temora | Difference |
|---|---|---|---|
| Council rates | $743 | $743 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,700 | $2,450 | -$750 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $21,943 | $22,693 | -$750 |
| Total (public transport) | $6,143 | $6,893 | -$750 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Combaning | Temora | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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 — 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 $8,598 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.
Where the difference actually comes from
- Council rates is identical at $743 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Combaning by $750 a year, $1,700 against $2,450.
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 medium in Temora against low in Combaning, which feeds the insurance estimate. Fire risk is rated medium in Temora against low in Combaning, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Combaning cumulative | Temora cumulative | Difference |
|---|---|---|---|
| Year 1 | $21,943 | $22,693 | $750 |
| Year 3 | $67,824 | $70,142 | $2,318 |
| Year 5 | $116,498 | $120,480 | $3,982 |
| Year 10 | $251,552 | $260,150 | $8,598 |
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 $21,943 per year versus $22,693 for Temora, a difference of $750 annually. Figures cover council rates, water, commute (ATO 91c/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?
Combaning 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. Temora 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 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 $251,552 and Temora costs $260,150 over 10 years by car. The cumulative difference is $8,598 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.