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 $1,143 a year cheaper than Napoleon Reef, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $13,104.
Over 10 years, Glanmire costs about $13,100 less to run than Napoleon Reef — the same as paying $13,100 less for the home. It's the cost no listing shows you.
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) | $3,709 | $4,452 | -$743 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,400 | -$400 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $8,350 | $9,493 | -$1,143 |
| Total (public transport) | $7,041 | $7,441 | -$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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 $1,143 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $13,104 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 $400 per year, $7,041 from Glanmire versus $7,441 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 $400 a year, $2,000 against $2,400.
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 | $8,350 | $9,493 | $1,143 |
| Year 3 | $25,809 | $29,342 | $3,533 |
| Year 5 | $44,331 | $50,400 | $6,069 |
| Year 10 | $95,723 | $108,827 | $13,104 |
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 $8,350 per year versus $9,493 for Napoleon Reef, a difference of $1,143 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). 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 $95,723 and Napoleon Reef costs $108,827 over 10 years by car. The cumulative difference is $13,104 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.