Glenroy vs North Albury, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Glenroy and North Albury are both Albury rates (OLG suburbs, sitting 2.6 km and 2.3 km from Albury CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $298 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 the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan →Glenroy
North Albury
Annual cost breakdown
| Category | Glenroy | North Albury | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,631 | $1,631 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $879 | $781 | +$98 |
| Commute (public transport) Modelled, 2026-27 | $879 | $781 | +$98 |
| Home insurance Estimated | $1,850 | $1,650 | +$200 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $5,660 | $5,362 | +$298 |
| Total (public transport) | $5,660 | $5,362 | +$298 |
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 | Glenroy | North Albury | 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, Glenroy vs North Albury (2026-27)
What the numbers show
Glenroy and North Albury differ by $298 a year by car, but $200 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $98, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $200 per year.
On public transport the gap is $298 per year, $5,660 from Glenroy versus $5,362 from North Albury.
Where the difference actually comes from
- Council rates is identical at $1,631 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours North Albury by $98 a year, $781 against $879.
- Building insurance favours North Albury by $200 a year, $1,650 against $1,850.
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.
Flood risk is rated medium in North Albury against low in Glenroy, which feeds the insurance estimate. Fire risk is rated high in Glenroy against low in North Albury, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Glenroy cumulative | North Albury cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,660 | $5,362 | $298 |
| Year 3 | $17,494 | $16,573 | $921 |
| Year 5 | $30,050 | $28,468 | $1,582 |
| Year 10 | $64,886 | $61,469 | $3,417 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Glenroy or North Albury cheaper to live in?
Neither is named cheaper. Glenroy runs $5,660 a year by car and North Albury $5,362, but most of the $298 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $98. Source: SuburbCost 2026 data.
What are council rates in Glenroy and North Albury?
Annual council rates for a house are $1,631 in Glenroy (Albury rates (OLG) and $1,631 in North Albury (Albury rates (OLG). Water and sewerage adds $1,300 in Glenroy and $1,300 in North Albury. 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 Glenroy and North Albury?
Annual driving commute costs are $879 from Glenroy and $781 from North Albury to Albury 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 Glenroy and North Albury?
At 3% annual cost growth, Glenroy costs a cumulative $64,886 and North Albury costs $61,469 over 10 years by car. The cumulative difference is $3,417 in favour of North Albury. Excludes purchase price, mortgage, and personal expenses.
Which of Glenroy and North Albury suits you better?
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Sources: Albury rates (OLG and Albury 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.