Lloyd vs San Isidore: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Lloyd and San Isidore are both Wagga Wagga rates (OLG suburbs, sitting 383.3 km and 385.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
San Isidore runs $300 a year cheaper than Lloyd, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Lloyd
San Isidore
Annual cost breakdown
| Category | Lloyd | San Isidore | Difference |
|---|---|---|---|
| Council rates | $1,294 | $1,294 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $1,700 | +$300 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,194 | $21,894 | +$300 |
| Total (public transport) | $6,994 | $6,694 | +$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Lloyd | San Isidore | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — Lloyd vs San Isidore (2026-27)
What the numbers show
San Isidore costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of San Isidore.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $6,994 from Lloyd versus $6,694 from San Isidore.
10-year cumulative cost projection
| Year | Lloyd cumulative | San Isidore cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,194 | $21,894 | $300 |
| Year 3 | $68,599 | $67,672 | $927 |
| Year 5 | $117,831 | $116,238 | $1,593 |
| Year 10 | $254,429 | $250,990 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lloyd or San Isidore cheaper to live in?
San Isidore is cheaper to run by car at $21,894 per year versus $22,194 for Lloyd, a difference of $300 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lloyd and San Isidore?
Annual council rates for a house are $1,294 in Lloyd (Wagga Wagga rates (OLG) and $1,294 in San Isidore (Wagga Wagga rates (OLG). Water and sewerage adds $1,300 in Lloyd and $1,300 in San Isidore. 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 Lloyd and San Isidore?
Annual driving commute costs are $17,600 from Lloyd and $17,600 from San Isidore to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Lloyd and $2,400 from San Isidore.
What is the 10-year cost difference between Lloyd and San Isidore?
At 3% annual cost growth, Lloyd costs a cumulative $254,429 and San Isidore costs $250,990 over 10 years by car. The cumulative difference is $3,439 in favour of San Isidore. Excludes purchase price, mortgage, and personal expenses.
Which of Lloyd and San Isidore 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.