Durras North vs South Durras, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Durras North and South Durras are both Eurobodalla rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Durras North runs $500 a year cheaper than South Durras, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,732.
Over 10 years the gap between these two is about $5,700, about $11 a week, and most of it is the AI-estimated insurance line.
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South Durras
Annual cost breakdown
| Category | Durras North | South Durras | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,285 | $1,285 | - |
| 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 | $2,150 | $2,650 | -$500 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,935 | $23,435 | -$500 |
| Total (public transport) | $22,935 | $23,435 | -$500 |
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 | Durras North | South Durras | Difference |
|---|---|---|---|
| House | $3,115 | $3,115 | - |
| Unit | $2,585 | $2,585 | - |
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, Durras North vs South Durras (2026-27)
What the numbers show
Durras North and South Durras differ by $500 a year by car, but $500 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 $500 per year. South Durras carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $500 per year, $22,935 from Durras North versus $23,435 from South Durras.
Where the difference actually comes from
- Council rates is identical at $1,285 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Durras North by $500 a year, $2,150 against $2,650.
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 high in South Durras against medium in Durras North, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Durras North cumulative | South Durras cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,935 | $23,435 | $500 |
| Year 3 | $70,890 | $72,435 | $1,545 |
| Year 5 | $121,765 | $124,420 | $2,655 |
| Year 10 | $262,924 | $268,656 | $5,732 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Durras North or South Durras cheaper to live in?
Neither is named cheaper. Durras North runs $22,935 a year by car and South Durras $23,435, but most of the $500 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 Durras North and South Durras?
Annual council rates for a house are $1,285 in Durras North (Eurobodalla rates (OLG) and $1,285 in South Durras (Eurobodalla rates (OLG). Water and sewerage adds $1,300 in Durras North and $1,300 in South Durras. 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 Durras North and South Durras?
Durras North 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. South Durras 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 Durras North and South Durras?
At 3% annual cost growth, Durras North costs a cumulative $262,924 and South Durras costs $268,656 over 10 years by car. The cumulative difference is $5,732 in favour of Durras North. Excludes purchase price, mortgage, and personal expenses.
Which of Durras North and South Durras suits you better?
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Sources: Eurobodalla rates (OLG and Eurobodalla 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.