Kooringal vs Tolland, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Kooringal and Tolland are both Wagga Wagga rates (OLG suburbs, sitting 3.8 km and 4.2 km from Wagga Wagga CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $126 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, Kooringal costs about $1,400 less to run than Tolland. That's about $3 a week.
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Tolland
Annual cost breakdown
| Category | Kooringal | Tolland | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,294 | $1,294 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,265 | $1,391 | -$126 |
| Commute (public transport) Modelled, 2026-27 | $1,265 | $1,391 | -$126 |
| Home insurance Estimated | $1,550 | $1,550 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $5,409 | $5,535 | -$126 |
| Total (public transport) | $5,409 | $5,535 | -$126 |
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 | Kooringal | Tolland | 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, Kooringal vs Tolland (2026-27)
What the numbers show
Kooringal and Tolland cost within $126 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,445, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $126 per year. Tolland is 4.2 km from Wagga Wagga CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $5,409 and $5,535 a year, so the $126 driving gap nearly closes if you commute by public transport.
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 Kooringal by $126 a year, $1,265 against $1,391.
- Building insurance is identical at $1,550 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.
The catchment state school scores 5.2 in Kooringal against 1.8 in Tolland, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Kooringal cumulative | Tolland cumulative | Difference |
|---|---|---|---|
| Year 1 | $5,409 | $5,535 | $126 |
| Year 3 | $16,719 | $17,108 | $389 |
| Year 5 | $28,717 | $29,386 | $669 |
| Year 10 | $62,008 | $63,453 | $1,445 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kooringal or Tolland cheaper to live in?
Kooringal is cheaper to run by car at $5,409 per year versus $5,535 for Tolland, a difference of $126 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kooringal and Tolland?
Annual council rates for a house are $1,294 in Kooringal (Wagga Wagga rates (OLG) and $1,294 in Tolland (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in Kooringal and $1,300 in Tolland. 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 Kooringal and Tolland?
Annual driving commute costs are $1,265 from Kooringal and $1,391 from Tolland 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 Kooringal and Tolland?
At 3% annual cost growth, Kooringal costs a cumulative $62,008 and Tolland costs $63,453 over 10 years by car. The cumulative difference is $1,445 in favour of Kooringal. Excludes purchase price, mortgage, and personal expenses.
Which of Kooringal and Tolland suits you better?
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: 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.