Kilgra vs Wyneden: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Kilgra and Wyneden are both Kyogle rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Wyneden runs $450 a year cheaper than Kilgra, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,158.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Kilgra
Wyneden
Annual cost breakdown
| Category | Kilgra | Wyneden | Difference |
|---|---|---|---|
| Council rates | $1,320 | $1,320 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,000 | +$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,270 | $22,820 | +$450 |
| Total (public transport) | $7,470 | $7,020 | +$450 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kilgra | Wyneden | 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 — Kilgra vs Wyneden (2026-27)
What the numbers show
Wyneden costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,158 in favour of Wyneden.
The biggest single gap is home insurance at $450 per year. Kilgra carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,470 from Kilgra versus $7,020 from Wyneden.
Where the difference actually comes from
- Council rates is identical at $1,320 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Wyneden by $450 a year, $2,000 against $2,450.
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 medium in Kilgra against low in Wyneden, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Kilgra cumulative | Wyneden cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,270 | $22,820 | $450 |
| Year 3 | $71,925 | $70,534 | $1,391 |
| Year 5 | $123,544 | $121,154 | $2,390 |
| Year 10 | $266,764 | $261,606 | $5,158 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kilgra or Wyneden cheaper to live in?
Wyneden is cheaper to run by car at $22,820 per year versus $23,270 for Kilgra, a difference of $450 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kilgra and Wyneden?
Annual council rates for a house are $1,320 in Kilgra (Kyogle rates (OLG) and $1,320 in Wyneden (Kyogle rates (OLG). Water and sewerage adds $1,300 in Kilgra and $1,300 in Wyneden. 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 Kilgra and Wyneden?
Kilgra 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. Wyneden 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. Public transport costs $2,400 from Kilgra and $2,400 from Wyneden.
What is the 10-year cost difference between Kilgra and Wyneden?
At 3% annual cost growth, Kilgra costs a cumulative $266,764 and Wyneden costs $261,606 over 10 years by car. The cumulative difference is $5,158 in favour of Wyneden. Excludes purchase price, mortgage, and personal expenses.
Which of Kilgra and Wyneden 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.
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Sources: Kyogle rates (OLG and Kyogle 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.