East Wagga Wagga vs Gumly Gumly: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
East Wagga Wagga and Gumly Gumly are both Wagga Wagga rates (OLG suburbs, sitting 375.3 km and 373.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
East Wagga Wagga
Gumly Gumly
Annual cost breakdown
| Category | East Wagga Wagga | Gumly Gumly | Difference |
|---|---|---|---|
| Council rates | $1,294 | $1,294 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,294 | $23,294 | - |
| Total (public transport) | $8,094 | $8,094 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | East Wagga Wagga | Gumly Gumly | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — East Wagga Wagga vs Gumly Gumly (2026-27)
What the numbers show
East Wagga Wagga and Gumly Gumly cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $8,094 and $8,094 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | East Wagga Wagga cumulative | Gumly Gumly cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,294 | $23,294 | $0 |
| Year 3 | $71,999 | $71,999 | $0 |
| Year 5 | $123,671 | $123,671 | $0 |
| Year 10 | $267,040 | $267,040 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is East Wagga Wagga or Gumly Gumly cheaper to live in?
East Wagga Wagga is cheaper to run by car at $23,294 per year versus $23,294 for Gumly Gumly, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in East Wagga Wagga and Gumly Gumly?
Annual council rates for a house are $1,294 in East Wagga Wagga (Wagga Wagga rates (OLG) and $1,294 in Gumly Gumly (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in East Wagga Wagga and $1,300 in Gumly Gumly. 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 Wagga Wagga and Gumly Gumly?
Annual driving commute costs are $17,600 from East Wagga Wagga and $17,600 from Gumly Gumly to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from East Wagga Wagga and $2,400 from Gumly Gumly.
What is the 10-year cost difference between East Wagga Wagga and Gumly Gumly?
At 3% annual cost growth, East Wagga Wagga costs a cumulative $267,040 and Gumly Gumly costs $267,040 over 10 years by car. The cumulative difference is $0 in favour of East Wagga Wagga. Excludes purchase price, mortgage, and personal expenses.
Which of East Wagga Wagga and Gumly Gumly 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.
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Sources: Wagga Wagga rates (OLG and Wagga Wagga 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.