Lindendale vs Tregeagle, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lindendale and Tregeagle are both Lismore rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $250 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 the gap between these two is about $2,900, about $6 a week, and most of it is the AI-estimated insurance line.
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Tregeagle
Annual cost breakdown
| Category | Lindendale | Tregeagle | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,534 | $1,534 | - |
| 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 | $1,800 | -$250 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,584 | $22,834 | -$250 |
| Total (public transport) | $22,584 | $22,834 | -$250 |
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 | Lindendale | Tregeagle | 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, Lindendale vs Tregeagle (2026-27)
What the numbers show
Lindendale and Tregeagle differ by $250 a year by car, but $250 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 $250 per year.
On public transport the gap is $250 per year, $22,584 from Lindendale versus $22,834 from Tregeagle.
Where the difference actually comes from
- Council rates is identical at $1,534 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Lindendale by $250 a year, $1,550 against $1,800.
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 Tregeagle against low in Lindendale, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Lindendale cumulative | Tregeagle cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,584 | $22,834 | $250 |
| Year 3 | $69,805 | $70,578 | $773 |
| Year 5 | $119,902 | $121,229 | $1,327 |
| Year 10 | $258,900 | $261,766 | $2,866 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lindendale or Tregeagle cheaper to live in?
Neither is named cheaper. Lindendale runs $22,584 a year by car and Tregeagle $22,834, but most of the $250 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 Lindendale and Tregeagle?
Annual council rates for a house are $1,534 in Lindendale (Lismore rates (OLG) and $1,534 in Tregeagle (Lismore rates (OLG). Water and sewerage adds $1,300 in Lindendale and $1,300 in Tregeagle. 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 Lindendale and Tregeagle?
Lindendale 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. Tregeagle 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 Lindendale and Tregeagle?
At 3% annual cost growth, Lindendale costs a cumulative $258,900 and Tregeagle costs $261,766 over 10 years by car. The cumulative difference is $2,866 in favour of Lindendale. Excludes purchase price, mortgage, and personal expenses.
Which of Lindendale and Tregeagle suits you better?
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Sources: Lismore rates (OLG and Lismore 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.