Gumly Gumly vs North Wagga Wagga, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gumly Gumly and North Wagga Wagga are both Wagga Wagga rates (OLG suburbs, sitting 6.2 km and 2.4 km from Wagga Wagga CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
North Wagga Wagga runs $1,186 a year cheaper than Gumly Gumly, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $13,597.
Over 10 years, North Wagga Wagga costs about $13,600 less to run than Gumly Gumly. That's about $26 a week.
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North Wagga Wagga
Annual cost breakdown
| Category | Gumly Gumly | North Wagga Wagga | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,294 | $1,294 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,999 | $813 | +$1,186 |
| Commute (public transport) Modelled, 2026-27 | $1,999 | $813 | +$1,186 |
| Home insurance Estimated | $2,850 | $2,850 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $7,443 | $6,257 | +$1,186 |
| Total (public transport) | $7,443 | $6,257 | +$1,186 |
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 | Gumly Gumly | North Wagga Wagga | 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, Gumly Gumly vs North Wagga Wagga (2026-27)
What the numbers show
North Wagga Wagga costs $1,186 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $13,597 in favour of North Wagga Wagga.
The biggest single gap is commute costs at $1,186 per year. Gumly Gumly is 6.2 km from Wagga Wagga CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $1,186 per year, $7,443 from Gumly Gumly versus $6,257 from North Wagga Wagga.
Where the difference actually comes from
- Council rates is identical at $1,294 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours North Wagga Wagga by $1,186 a year, $813 against $1,999.
- Building insurance is identical at $2,850 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 | Gumly Gumly cumulative | North Wagga Wagga cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,443 | $6,257 | $1,186 |
| Year 3 | $23,006 | $19,340 | $3,666 |
| Year 5 | $39,516 | $33,219 | $6,297 |
| Year 10 | $85,326 | $71,729 | $13,597 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gumly Gumly or North Wagga Wagga cheaper to live in?
North Wagga Wagga is cheaper to run by car at $6,257 per year versus $7,443 for Gumly Gumly, a difference of $1,186 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gumly Gumly and North Wagga Wagga?
Annual council rates for a house are $1,294 in Gumly Gumly (Wagga Wagga rates (OLG) and $1,294 in North Wagga Wagga (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in Gumly Gumly and $1,300 in North Wagga Wagga. 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 Gumly Gumly and North Wagga Wagga?
Annual driving commute costs are $1,999 from Gumly Gumly and $813 from North Wagga Wagga to Wagga Wagga 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 Gumly Gumly and North Wagga Wagga?
At 3% annual cost growth, Gumly Gumly costs a cumulative $85,326 and North Wagga Wagga costs $71,729 over 10 years by car. The cumulative difference is $13,597 in favour of North Wagga Wagga. Excludes purchase price, mortgage, and personal expenses.
Which of Gumly Gumly and North Wagga Wagga suits you better?
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Sources: Wagga Wagga rates (OLG and Wagga Wagga 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.