Kentucky South vs Wollun, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Kentucky South and Wollun are both Uralla Shire Council rates (IPART approved SRV, 28.5% in suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Kentucky South runs $300 a year cheaper than Wollun, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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.
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Wollun
Annual cost breakdown
| Category | Kentucky South | Wollun | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $930 | $930 | - |
| 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 | $1,550 | $1,850 | -$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $21,980 | $22,280 | -$300 |
| Total (public transport) | $21,980 | $22,280 | -$300 |
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 | Kentucky South | Wollun | Difference |
|---|---|---|---|
| House | $3,115 | $3,115 | - |
| Unit | $2,585 | $2,585 | - |
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, Kentucky South vs Wollun (2026-27)
What the numbers show
Kentucky South and Wollun differ by $300 a year by car, but $300 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 $300 per year.
On public transport the gap is $300 per year, $21,980 from Kentucky South versus $22,280 from Wollun.
Where the difference actually comes from
- Council rates is identical at $930 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Kentucky South by $300 a year, $1,550 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 the insurance band.
Fire risk is rated medium in Wollun against low in Kentucky South, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Kentucky South cumulative | Wollun cumulative | Difference |
|---|---|---|---|
| Year 1 | $21,980 | $22,280 | $300 |
| Year 3 | $67,938 | $68,865 | $927 |
| Year 5 | $116,695 | $118,288 | $1,593 |
| Year 10 | $251,976 | $255,415 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kentucky South or Wollun cheaper to live in?
Neither is named cheaper. Kentucky South runs $21,980 a year by car and Wollun $22,280, but most of the $300 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 Kentucky South and Wollun?
Annual council rates for a house are $930 in Kentucky South (Uralla Shire Council rates (IPART approved SRV, 28.5% in) and $930 in Wollun (Uralla Shire Council rates (IPART approved SRV, 28.5% in). Water and sewerage adds $1,300 in Kentucky South and $1,300 in Wollun. 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 Kentucky South and Wollun?
Kentucky South 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. Wollun 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 Kentucky South and Wollun?
At 3% annual cost growth, Kentucky South costs a cumulative $251,976 and Wollun costs $255,415 over 10 years by car. The cumulative difference is $3,439 in favour of Kentucky South. Excludes purchase price, mortgage, and personal expenses.
Which of Kentucky South and Wollun suits you better?
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Related comparisons
Sources: Uralla Shire Council rates (IPART approved SRV, 28.5% in and Uralla Shire Council rates (IPART approved SRV, 28.5% in 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.