Lavington vs North Albury: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lavington and North Albury are both Albury rates (OLG suburbs, sitting 4.6 km and 2.3 km from Albury CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
North Albury runs $584 a year cheaper than Lavington, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $6,695.
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 →Lavington
North Albury
Annual cost breakdown
| Category | Lavington | North Albury | Difference |
|---|---|---|---|
| Council rates | $1,631 | $1,631 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $1,515 | $781 | +$734 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,150 | -$150 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $6,446 | $5,862 | +$584 |
| Total (public transport) | $7,331 | $7,481 | -$150 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lavington | North Albury | 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 — Lavington vs North Albury (2026-27)
What the numbers show
North Albury costs $584 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,695 in favour of North Albury.
The biggest single gap is commute costs at $734 per year. Lavington is 4.6 km from Albury CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,331 and $7,481 a year, so the $584 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,631 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours North Albury by $734 a year, $781 against $1,515.
- Building insurance favours Lavington by $150 a year, $2,000 against $2,150.
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 and the insurance band.
Flood risk is rated medium in North Albury against low in Lavington, which feeds the insurance estimate. Fire risk is rated medium in Lavington against low in North Albury, which feeds the insurance estimate. The catchment state school scores 4.6 in Lavington against 3.3 in North Albury, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Lavington cumulative | North Albury cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,446 | $5,862 | $584 |
| Year 3 | $19,924 | $18,119 | $1,805 |
| Year 5 | $34,223 | $31,122 | $3,101 |
| Year 10 | $73,896 | $67,201 | $6,695 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lavington or North Albury cheaper to live in?
North Albury is cheaper to run by car at $5,862 per year versus $6,446 for Lavington, a difference of $584 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lavington and North Albury?
Annual council rates for a house are $1,631 in Lavington (Albury rates (OLG) and $1,631 in North Albury (Albury rates (OLG). Water and sewerage adds $1,300 in Lavington and $1,300 in North Albury. 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 Lavington and North Albury?
Annual driving commute costs are $1,515 from Lavington and $781 from North Albury to Albury CBD (ATO 91c/km). Public transport costs $2,400 from Lavington and $2,400 from North Albury.
What is the 10-year cost difference between Lavington and North Albury?
At 3% annual cost growth, Lavington costs a cumulative $73,896 and North Albury costs $67,201 over 10 years by car. The cumulative difference is $6,695 in favour of North Albury. Excludes purchase price, mortgage, and personal expenses.
Which of Lavington and North Albury 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 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.