Lake Hume Village vs Thurgoona: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Lake Hume Village and Thurgoona are both Albury rates (OLG suburbs, sitting 454.1 km and 456.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Lake Hume Village
Thurgoona
Annual cost breakdown
| Category | Lake Hume Village | Thurgoona | Difference |
|---|---|---|---|
| Council rates | $1,631 | $1,631 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,631 | $23,631 | - |
| Total (public transport) | $8,431 | $8,431 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lake Hume Village | Thurgoona | Difference |
|---|---|---|---|
| House | $2,420 | $2,453 | -$33 |
| Unit | $1,920 | $1,944 | -$24 |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Lake Hume Village vs Thurgoona (2026-27)
What the numbers show
Lake Hume Village and Thurgoona cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $8,431 and $8,431 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Lake Hume Village cumulative | Thurgoona cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,631 | $23,631 | $0 |
| Year 3 | $73,041 | $73,041 | $0 |
| Year 5 | $125,460 | $125,460 | $0 |
| Year 10 | $270,903 | $270,903 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lake Hume Village or Thurgoona cheaper to live in?
Lake Hume Village is cheaper to run by car at $23,631 per year versus $23,631 for Thurgoona, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lake Hume Village and Thurgoona?
Annual council rates for a house are $1,631 in Lake Hume Village (Albury rates (OLG) and $1,631 in Thurgoona (Albury rates (OLG). Water and sewerage adds $1,300 in Lake Hume Village and $1,300 in Thurgoona. 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 Lake Hume Village and Thurgoona?
Annual driving commute costs are $17,600 from Lake Hume Village and $17,600 from Thurgoona to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Lake Hume Village and $2,400 from Thurgoona.
What is the 10-year cost difference between Lake Hume Village and Thurgoona?
At 3% annual cost growth, Lake Hume Village costs a cumulative $270,903 and Thurgoona costs $270,903 over 10 years by car. The cumulative difference is $0 in favour of Lake Hume Village. Excludes purchase price, mortgage, and personal expenses.
Which of Lake Hume Village and Thurgoona 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.
Related comparisons
Sources: Albury rates (OLG and Albury rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.