Dyraaba vs Lower Dyraaba: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Dyraaba and Lower Dyraaba are both Kyogle rates (OLG suburbs, sitting 588 km and 585.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Dyraaba runs $450 a year cheaper than Lower Dyraaba, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Dyraaba
Lower Dyraaba
Annual cost breakdown
| Category | Dyraaba | Lower Dyraaba | Difference |
|---|---|---|---|
| Council rates | $1,320 | $1,320 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,850 | -$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,620 | $23,070 | -$450 |
| Total (public transport) | $7,420 | $7,870 | -$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Dyraaba | Lower Dyraaba | Difference |
|---|---|---|---|
| House | $2,098 | $2,098 | - |
| Unit | $1,679 | $1,679 | - |
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 — Dyraaba vs Lower Dyraaba (2026-27)
What the numbers show
Dyraaba costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,159 in favour of Dyraaba.
The biggest single gap is home insurance at $450 per year. Lower Dyraaba carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,420 from Dyraaba versus $7,870 from Lower Dyraaba.
10-year cumulative cost projection
| Year | Dyraaba cumulative | Lower Dyraaba cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,620 | $23,070 | $450 |
| Year 3 | $69,916 | $71,307 | $1,391 |
| Year 5 | $120,093 | $122,482 | $2,389 |
| Year 10 | $259,313 | $264,472 | $5,159 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Dyraaba or Lower Dyraaba cheaper to live in?
Dyraaba is cheaper to run by car at $22,620 per year versus $23,070 for Lower Dyraaba, a difference of $450 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Dyraaba and Lower Dyraaba?
Annual council rates for a house are $1,320 in Dyraaba (Kyogle rates (OLG) and $1,320 in Lower Dyraaba (Kyogle rates (OLG). Water and sewerage adds $1,300 in Dyraaba and $1,300 in Lower Dyraaba. 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 Dyraaba and Lower Dyraaba?
Annual driving commute costs are $17,600 from Dyraaba and $17,600 from Lower Dyraaba to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Dyraaba and $2,400 from Lower Dyraaba.
What is the 10-year cost difference between Dyraaba and Lower Dyraaba?
At 3% annual cost growth, Dyraaba costs a cumulative $259,313 and Lower Dyraaba costs $264,472 over 10 years by car. The cumulative difference is $5,159 in favour of Dyraaba. Excludes purchase price, mortgage, and personal expenses.
Which of Dyraaba and Lower Dyraaba 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: Kyogle rates (OLG and Kyogle 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.