Dargan vs State Mine Gully, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Dargan and State Mine Gully are both Lithgow rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Dargan runs $13,850 a year cheaper than State Mine Gully, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $158,775.
Over 10 years, Dargan costs about $158,800 less to run than State Mine Gully. That's about $305 a week.
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State Mine Gully
Annual cost breakdown
| Category | Dargan | State Mine Gully | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,186 | $1,186 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $4,350 | $18,200 | -$13,850 |
| Commute (public transport) Modelled, 2026-27 | $4,350 | $18,200 | -$13,850 |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $8,686 | $22,536 | -$13,850 |
| Total (public transport) | $8,686 | $22,536 | -$13,850 |
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 | Dargan | State Mine Gully | Difference |
|---|---|---|---|
| House | $2,720 | $2,857 | -$137 |
| Unit | $2,209 | $2,312 | -$103 |
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, Dargan vs State Mine Gully (2026-27)
What the numbers show
Dargan costs $13,850 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $158,775 in favour of Dargan.
The biggest single gap is commute costs at $13,850 per year. State Mine Gully is more than 100 km from Sydney CBD, so its driving figure is a flat regional allowance of about 20,000 km of household driving a year rather than a commute.
On public transport the gap is $13,850 per year, $8,686 from Dargan versus $22,536 from State Mine Gully.
Where the difference actually comes from
- Council rates is identical at $1,186 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Dargan by $13,850 a year, $4,350 against $18,200.
- Building insurance is identical at $1,850 a year.
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 commute distance.
10-year cumulative cost projection
| Year | Dargan cumulative | State Mine Gully cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,686 | $22,536 | $13,850 |
| Year 3 | $26,848 | $69,657 | $42,809 |
| Year 5 | $46,115 | $119,647 | $73,532 |
| Year 10 | $99,575 | $258,350 | $158,775 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Dargan or State Mine Gully cheaper to live in?
Dargan is cheaper to run by car at $8,686 per year versus $22,536 for State Mine Gully, a difference of $13,850 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Dargan and State Mine Gully?
Annual council rates for a house are $1,186 in Dargan (Lithgow rates (OLG) and $1,186 in State Mine Gully (Lithgow rates (OLG). Water and sewerage adds $1,300 in Dargan and $1,300 in State Mine Gully. 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 Dargan and State Mine Gully?
Dargan is $4,350 a year to drive to Sydney CBD (ATO 91c/km). State Mine Gully 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 Dargan and State Mine Gully?
At 3% annual cost growth, Dargan costs a cumulative $99,575 and State Mine Gully costs $258,350 over 10 years by car. The cumulative difference is $158,775 in favour of Dargan. Excludes purchase price, mortgage, and personal expenses.
Which of Dargan and State Mine Gully suits you better?
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Sources: Lithgow rates (OLG and Lithgow 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.