Lynwood vs Uralba, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Lynwood and Uralba are both Ballina Shire Council rates (IPART approved SRV, 6% in suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Lynwood runs $750 a year cheaper than Uralba, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,598.
Over 10 years the gap between these two is about $8,600, about $17 a week, and most of it is the AI-estimated insurance line.
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Uralba
Annual cost breakdown
| Category | Lynwood | Uralba | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,384 | $1,384 | - |
| 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 | $1,400 | $2,150 | -$750 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,284 | $23,034 | -$750 |
| Total (public transport) | $22,284 | $23,034 | -$750 |
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 | Lynwood | Uralba | 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, Lynwood vs Uralba (2026-27)
What the numbers show
Lynwood and Uralba differ by $750 a year by car, but $750 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 $750 per year. Uralba carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $750 per year, $22,284 from Lynwood versus $23,034 from Uralba.
Where the difference actually comes from
- Council rates is identical at $1,384 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Lynwood by $750 a year, $1,400 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 the insurance band.
Flood risk is rated high in Uralba against low in Lynwood, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Lynwood cumulative | Uralba cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,284 | $23,034 | $750 |
| Year 3 | $68,878 | $71,196 | $2,318 |
| Year 5 | $118,309 | $122,291 | $3,982 |
| Year 10 | $255,461 | $264,059 | $8,598 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lynwood or Uralba cheaper to live in?
Neither is named cheaper. Lynwood runs $22,284 a year by car and Uralba $23,034, but most of the $750 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 Lynwood and Uralba?
Annual council rates for a house are $1,384 in Lynwood (Ballina Shire Council rates (IPART approved SRV, 6% in) and $1,384 in Uralba (Ballina Shire Council rates (IPART approved SRV, 6% in). Water and sewerage adds $1,300 in Lynwood and $1,300 in Uralba. 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 Lynwood and Uralba?
Lynwood 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. Uralba 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 Lynwood and Uralba?
At 3% annual cost growth, Lynwood costs a cumulative $255,461 and Uralba costs $264,059 over 10 years by car. The cumulative difference is $8,598 in favour of Lynwood. Excludes purchase price, mortgage, and personal expenses.
Which of Lynwood and Uralba suits you better?
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Sources: Ballina Shire Council rates (IPART approved SRV, 6% in and Ballina Shire Council rates (IPART approved SRV, 6% in 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.