Keerrong vs Koonorigan, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Keerrong and Koonorigan are both Lismore rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Koonorigan runs $600 a year cheaper than Keerrong, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,878.
Over 10 years the gap between these two is about $6,900, about $13 a week, and most of it is the AI-estimated insurance line.
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Koonorigan
Annual cost breakdown
| Category | Keerrong | Koonorigan | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,534 | $1,534 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,800 | $2,200 | +$600 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,834 | $23,234 | +$600 |
| Total (public transport) | $23,834 | $23,234 | +$600 |
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 | Keerrong | Koonorigan | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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, Keerrong vs Koonorigan (2026-27)
What the numbers show
Keerrong and Koonorigan differ by $600 a year by car, but $600 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 $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $600 per year. Keerrong carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $600 per year, $23,834 from Keerrong versus $23,234 from Koonorigan.
Where the difference actually comes from
- Council rates is identical at $1,534 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Koonorigan by $600 a year, $2,200 against $2,800.
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 the insurance band.
Flood risk is rated high in Keerrong against medium in Koonorigan, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Keerrong cumulative | Koonorigan cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,834 | $23,234 | $600 |
| Year 3 | $73,669 | $71,814 | $1,855 |
| Year 5 | $126,538 | $123,352 | $3,186 |
| Year 10 | $273,230 | $266,352 | $6,878 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Keerrong or Koonorigan cheaper to live in?
Neither is named cheaper. Keerrong runs $23,834 a year by car and Koonorigan $23,234, but most of the $600 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Keerrong and Koonorigan?
Annual council rates for a house are $1,534 in Keerrong (Lismore rates (OLG) and $1,534 in Koonorigan (Lismore rates (OLG). Water and sewerage adds $1,300 in Keerrong and $1,300 in Koonorigan. 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 Keerrong and Koonorigan?
Keerrong carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Koonorigan carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Keerrong and Koonorigan?
At 3% annual cost growth, Keerrong costs a cumulative $273,230 and Koonorigan costs $266,352 over 10 years by car. The cumulative difference is $6,878 in favour of Koonorigan. Excludes purchase price, mortgage, and personal expenses.
Which of Keerrong and Koonorigan suits you better?
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Sources: Lismore rates (OLG and Lismore 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.