Glanmire vs Napoleon Reef: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Glanmire and Napoleon Reef are both Bathurst Regional rates (OLG suburbs, sitting 148 km and 145.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Glanmire runs $400 a year cheaper than Napoleon Reef, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
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 →Glanmire
Napoleon Reef
Annual cost breakdown
| Category | Glanmire | Napoleon Reef | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,400 | -$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,241 | $22,641 | -$400 |
| Total (public transport) | $7,041 | $7,441 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Glanmire | Napoleon Reef | Difference |
|---|---|---|---|
| House | $2,554 | $2,554 | - |
| Unit | $2,020 | $2,020 | - |
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 — Glanmire vs Napoleon Reef (2026-27)
What the numbers show
Glanmire costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,586 in favour of Glanmire.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,041 from Glanmire versus $7,441 from Napoleon Reef.
10-year cumulative cost projection
| Year | Glanmire cumulative | Napoleon Reef cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,241 | $22,641 | $400 |
| Year 3 | $68,745 | $69,981 | $1,236 |
| Year 5 | $118,080 | $120,204 | $2,124 |
| Year 10 | $254,968 | $259,554 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Glanmire or Napoleon Reef cheaper to live in?
Glanmire is cheaper to run by car at $22,241 per year versus $22,641 for Napoleon Reef, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Glanmire and Napoleon Reef?
Annual council rates for a house are $1,341 in Glanmire (Bathurst Regional rates (OLG) and $1,341 in Napoleon Reef (Bathurst Regional rates (OLG). Water and sewerage adds $1,300 in Glanmire and $1,300 in Napoleon Reef. 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 Glanmire and Napoleon Reef?
Annual driving commute costs are $17,600 from Glanmire and $17,600 from Napoleon Reef to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Glanmire and $2,400 from Napoleon Reef.
What is the 10-year cost difference between Glanmire and Napoleon Reef?
At 3% annual cost growth, Glanmire costs a cumulative $254,968 and Napoleon Reef costs $259,554 over 10 years by car. The cumulative difference is $4,586 in favour of Glanmire. Excludes purchase price, mortgage, and personal expenses.
Which of Glanmire and Napoleon Reef 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: Bathurst Regional rates (OLG and Bathurst Regional 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.