Gilmandyke vs Judds Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gilmandyke and Judds Creek are both Oberon rates (OLG suburbs, sitting 43.1 km and 45.2 km from Bathurst CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $76 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.
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 →Gilmandyke
Judds Creek
Annual cost breakdown
| Category | Gilmandyke | Judds Creek | Difference |
|---|---|---|---|
| Council rates | $1,007 | $1,007 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,947 | $6,871 | +$76 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $11,254 | $11,178 | +$76 |
| Total (public transport) | $6,707 | $6,707 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Gilmandyke | Judds Creek | Difference |
|---|---|---|---|
| House | $3,257 | $3,257 | - |
| Unit | $2,691 | $2,691 | - |
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 — Gilmandyke vs Judds Creek (2026-27)
What the numbers show
Gilmandyke and Judds Creek cost within $76 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $871, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $76 per year. Judds Creek is 45.2 km from Bathurst CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,707 and $6,707 a year, so the $76 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,007 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Judds Creek by $76 a year, $6,871 against $6,947.
- Building insurance is identical at $2,000 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 | Gilmandyke cumulative | Judds Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,254 | $11,178 | $76 |
| Year 3 | $34,785 | $34,550 | $235 |
| Year 5 | $59,749 | $59,346 | $403 |
| Year 10 | $129,014 | $128,143 | $871 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gilmandyke or Judds Creek cheaper to live in?
Judds Creek is cheaper to run by car at $11,178 per year versus $11,254 for Gilmandyke, a difference of $76 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gilmandyke and Judds Creek?
Annual council rates for a house are $1,007 in Gilmandyke (Oberon rates (OLG) and $1,007 in Judds Creek (Oberon rates (OLG). Water and sewerage adds $1,300 in Gilmandyke and $1,300 in Judds Creek. 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 Gilmandyke and Judds Creek?
Annual driving commute costs are $6,947 from Gilmandyke and $6,871 from Judds Creek to Bathurst CBD (ATO 91c/km). Public transport costs $2,400 from Gilmandyke and $2,400 from Judds Creek.
What is the 10-year cost difference between Gilmandyke and Judds Creek?
At 3% annual cost growth, Gilmandyke costs a cumulative $129,014 and Judds Creek costs $128,143 over 10 years by car. The cumulative difference is $871 in favour of Judds Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Gilmandyke and Judds Creek 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: Oberon rates (OLG and Oberon 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.