Dollys Flat vs Wingham, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Dollys Flat and Wingham are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Dollys Flat runs $400 a year cheaper than Wingham, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
Over 10 years the gap between these two is about $4,600, about $9 a week, and most of it is the AI-estimated insurance line.
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Wingham
Annual cost breakdown
| Category | Dollys Flat | Wingham | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| 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 | $1,800 | $2,200 | -$400 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,909 | $23,309 | -$400 |
| Total (public transport) | $22,909 | $23,309 | -$400 |
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 | Dollys Flat | Wingham | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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, Dollys Flat vs Wingham (2026-27)
What the numbers show
Dollys Flat and Wingham differ by $400 a year by car, but $400 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 $400 per year. Wingham carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $22,909 from Dollys Flat versus $23,309 from Wingham.
Where the difference actually comes from
- Council rates is identical at $1,609 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Dollys Flat by $400 a year, $1,800 against $2,200.
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 Wingham against low in Dollys Flat, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Dollys Flat cumulative | Wingham cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,909 | $23,309 | $400 |
| Year 3 | $70,809 | $72,046 | $1,237 |
| Year 5 | $121,627 | $123,751 | $2,124 |
| Year 10 | $262,626 | $267,212 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Dollys Flat or Wingham cheaper to live in?
Neither is named cheaper. Dollys Flat runs $22,909 a year by car and Wingham $23,309, but most of the $400 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 Dollys Flat and Wingham?
Annual council rates for a house are $1,609 in Dollys Flat (Mid-Coast rates (OLG) and $1,609 in Wingham (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Dollys Flat and $1,300 in Wingham. 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 Dollys Flat and Wingham?
Dollys Flat 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. Wingham 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 Dollys Flat and Wingham?
At 3% annual cost growth, Dollys Flat costs a cumulative $262,626 and Wingham costs $267,212 over 10 years by car. The cumulative difference is $4,586 in favour of Dollys Flat. Excludes purchase price, mortgage, and personal expenses.
Which of Dollys Flat and Wingham suits you better?
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Sources: Mid-Coast rates (OLG and Mid-Coast 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.