Glanmire vs Napoleon Reef, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Glanmire and Napoleon Reef are both Bathurst Regional rates (OLG suburbs, sitting 12.6 km and 15.9 km from Bathurst CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Glanmire runs $1,093 a year cheaper than Napoleon Reef, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $12,530.
Over 10 years, Glanmire costs about $12,500 less to run than Napoleon Reef. That's about $24 a week.
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Napoleon Reef
Annual cost breakdown
| Category | Glanmire | Napoleon Reef | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,341 | $1,341 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $3,709 | $4,452 | -$743 |
| Commute (public transport) Modelled, 2026-27 | $3,709 | $4,452 | -$743 |
| Home insurance Estimated | $1,850 | $2,200 | -$350 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $8,200 | $9,293 | -$1,093 |
| Total (public transport) | $8,200 | $9,293 | -$1,093 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Glanmire | Napoleon Reef | 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, Glanmire vs Napoleon Reef (2026-27)
What the numbers show
Glanmire costs $1,093 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $12,530 in favour of Glanmire.
The biggest single gap is commute costs at $743 per year. Napoleon Reef is 15.9 km from Bathurst CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $1,093 per year, $8,200 from Glanmire versus $9,293 from Napoleon Reef.
Where the difference actually comes from
- Council rates is identical at $1,341 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Glanmire by $743 a year, $3,709 against $4,452.
- Building insurance favours Glanmire by $350 a year, $1,850 against $2,200.
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.
Fire risk is rated high in Napoleon Reef against medium in Glanmire, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Glanmire cumulative | Napoleon Reef cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,200 | $9,293 | $1,093 |
| Year 3 | $25,345 | $28,724 | $3,379 |
| Year 5 | $43,535 | $49,338 | $5,803 |
| Year 10 | $94,004 | $106,534 | $12,530 |
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 $8,200 per year versus $9,293 for Napoleon Reef, a difference of $1,093 annually. Figures cover council rates, water, commute (ATO 91c/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 $3,709 from Glanmire and $4,452 from Napoleon Reef to Bathurst CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Glanmire and Napoleon Reef?
At 3% annual cost growth, Glanmire costs a cumulative $94,004 and Napoleon Reef costs $106,534 over 10 years by car. The cumulative difference is $12,530 in favour of Glanmire. Excludes purchase price, mortgage, and personal expenses.
Which of Glanmire and Napoleon Reef suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.