East Tamworth vs Nemingha: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
East Tamworth and Nemingha are both Tamworth Regional rates (OLG suburbs, sitting 2.3 km and 6.4 km from Tamworth CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
East Tamworth runs $427 a year cheaper than Nemingha, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $4,895.
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 →East Tamworth
Nemingha
Annual cost breakdown
| Category | East Tamworth | Nemingha | Difference |
|---|---|---|---|
| Council rates | $1,442 | $1,442 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $781 | $2,058 | -$1,277 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $2,000 | +$850 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $6,373 | $6,800 | -$427 |
| Total (public transport) | $7,992 | $7,142 | +$850 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | East Tamworth | Nemingha | 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 — East Tamworth vs Nemingha (2026-27)
What the numbers show
East Tamworth costs $427 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,895 in favour of East Tamworth.
The biggest single gap is commute costs at $1,277 per year. Nemingha is 6.4 km from Tamworth CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $850 per year, $7,992 from East Tamworth versus $7,142 from Nemingha.
Where the difference actually comes from
- Council rates is identical at $1,442 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours East Tamworth by $1,277 a year, $781 against $2,058.
- Building insurance favours Nemingha by $850 a year, $2,000 against $2,850.
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 and the insurance band.
Flood risk is rated medium in East Tamworth against low in Nemingha, which feeds the insurance estimate. Fire risk is rated high in East Tamworth against medium in Nemingha, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | East Tamworth cumulative | Nemingha cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,373 | $6,800 | $427 |
| Year 3 | $19,698 | $21,018 | $1,320 |
| Year 5 | $33,835 | $36,102 | $2,267 |
| Year 10 | $73,059 | $77,954 | $4,895 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is East Tamworth or Nemingha cheaper to live in?
East Tamworth is cheaper to run by car at $6,373 per year versus $6,800 for Nemingha, a difference of $427 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in East Tamworth and Nemingha?
Annual council rates for a house are $1,442 in East Tamworth (Tamworth Regional rates (OLG) and $1,442 in Nemingha (Tamworth Regional rates (OLG). Water and sewerage adds $1,300 in East Tamworth and $1,300 in Nemingha. 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 East Tamworth and Nemingha?
Annual driving commute costs are $781 from East Tamworth and $2,058 from Nemingha to Tamworth CBD (ATO 91c/km). Public transport costs $2,400 from East Tamworth and $2,400 from Nemingha.
What is the 10-year cost difference between East Tamworth and Nemingha?
At 3% annual cost growth, East Tamworth costs a cumulative $73,059 and Nemingha costs $77,954 over 10 years by car. The cumulative difference is $4,895 in favour of East Tamworth. Excludes purchase price, mortgage, and personal expenses.
Which of East Tamworth and Nemingha 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: Tamworth Regional rates (OLG and Tamworth Regional 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.