East Wagga Wagga vs Gumly Gumly: 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 Wagga Wagga and Gumly Gumly are both Wagga Wagga rates (OLG suburbs, sitting 4.4 km and 6.2 km from Wagga Wagga CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
East Wagga Wagga runs $546 a year cheaper than Gumly Gumly, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $6,260.
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 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) | $1,453 | $1,999 | -$546 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $7,147 | $7,693 | -$546 |
| Total (public transport) | $8,094 | $8,094 | - |
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 Wagga Wagga | Gumly Gumly | 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 Wagga Wagga vs Gumly Gumly (2026-27)
What the numbers show
East Wagga Wagga costs $546 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,260 in favour of East Wagga Wagga.
The biggest single gap is commute costs at $546 per year. Gumly Gumly is 6.2 km from Wagga Wagga CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $8,094 and $8,094 a year, so the $546 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,294 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours East Wagga Wagga by $546 a year, $1,453 against $1,999.
- Building insurance is identical at $3,100 a year.
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.
10-year cumulative cost projection
| Year | East Wagga Wagga cumulative | Gumly Gumly cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,147 | $7,693 | $546 |
| Year 3 | $22,091 | $23,778 | $1,687 |
| Year 5 | $37,944 | $40,843 | $2,899 |
| Year 10 | $81,932 | $88,192 | $6,260 |
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 $7,147 per year versus $7,693 for Gumly Gumly, a difference of $546 annually. Figures cover council rates, water, commute (ATO 91c/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 $1,453 from East Wagga Wagga and $1,999 from Gumly Gumly to Wagga Wagga CBD (ATO 91c/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 $81,932 and Gumly Gumly costs $88,192 over 10 years by car. The cumulative difference is $6,260 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.