Lloyd vs San Isidore, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lloyd and San Isidore are both Wagga Wagga rates (OLG suburbs, sitting 5.4 km and 6.7 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 $85 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 these two cost about the same to run.
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San Isidore
Annual cost breakdown
| Category | Lloyd | San Isidore | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,294 | $1,294 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,760 | $2,145 | -$385 |
| Commute (public transport) Modelled, 2026-27 | $1,760 | $2,145 | -$385 |
| Home insurance Estimated | $1,850 | $1,550 | +$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $6,204 | $6,289 | -$85 |
| Total (public transport) | $6,204 | $6,289 | -$85 |
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 | Lloyd | San Isidore | 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, Lloyd vs San Isidore (2026-27)
What the numbers show
Lloyd and San Isidore cost within $85 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $974, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $385 per year. San Isidore is 6.7 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, $6,204 and $6,289 a year, so the $85 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 Lloyd by $385 a year, $1,760 against $2,145.
- Building insurance favours San Isidore by $300 a year, $1,550 against $1,850.
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.
Fire risk is rated medium in Lloyd against low in San Isidore, which feeds the insurance estimate. The catchment state school scores 6.1 in San Isidore against 1.8 in Lloyd, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Lloyd cumulative | San Isidore cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,204 | $6,289 | $85 |
| Year 3 | $19,176 | $19,439 | $263 |
| Year 5 | $32,938 | $33,389 | $451 |
| Year 10 | $71,122 | $72,096 | $974 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lloyd or San Isidore cheaper to live in?
Lloyd is cheaper to run by car at $6,204 per year versus $6,289 for San Isidore, a difference of $85 annually. Figures cover council rates, water, commute (ATO 91c/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 $1,760 from Lloyd and $2,145 from San Isidore 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 Lloyd and San Isidore?
At 3% annual cost growth, Lloyd costs a cumulative $71,122 and San Isidore costs $72,096 over 10 years by car. The cumulative difference is $974 in favour of Lloyd. Excludes purchase price, mortgage, and personal expenses.
Which of Lloyd and San Isidore 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.