Nemingha vs Tintinhull, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Nemingha and Tintinhull are both Tamworth Regional rates (OLG suburbs, sitting 6.4 km and 7 km from Tamworth CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Nemingha runs $474 a year cheaper than Tintinhull, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,434.
Over 10 years the gap between these two is about $5,400, about $10 a week, and most of it is the AI-estimated insurance line.
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Tintinhull
Annual cost breakdown
| Category | Nemingha | Tintinhull | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,442 | $1,442 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $2,058 | $2,232 | -$174 |
| Commute (public transport) Modelled, 2026-27 | $2,058 | $2,232 | -$174 |
| Home insurance Estimated | $1,550 | $1,850 | -$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $6,350 | $6,824 | -$474 |
| Total (public transport) | $6,350 | $6,824 | -$474 |
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 | Nemingha | Tintinhull | 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, Nemingha vs Tintinhull (2026-27)
What the numbers show
Nemingha and Tintinhull differ by $474 a year by car, but $300 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 $174, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $474 per year, $6,350 from Nemingha versus $6,824 from Tintinhull.
Where the difference actually comes from
- Council rates is identical at $1,442 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Nemingha by $174 a year, $2,058 against $2,232.
- Building insurance favours Nemingha 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 high in Tintinhull against medium in Nemingha, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Nemingha cumulative | Tintinhull cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,350 | $6,824 | $474 |
| Year 3 | $19,627 | $21,092 | $1,465 |
| Year 5 | $33,713 | $36,230 | $2,517 |
| Year 10 | $72,796 | $78,230 | $5,434 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Nemingha or Tintinhull cheaper to live in?
Neither is named cheaper. Nemingha runs $6,350 a year by car and Tintinhull $6,824, but most of the $474 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $174. Source: SuburbCost 2026 data.
What are council rates in Nemingha and Tintinhull?
Annual council rates for a house are $1,442 in Nemingha (Tamworth Regional rates (OLG) and $1,442 in Tintinhull (Tamworth Regional rates (OLG). Water and sewerage adds $1,300 in Nemingha and $1,300 in Tintinhull. 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 Nemingha and Tintinhull?
Annual driving commute costs are $2,058 from Nemingha and $2,232 from Tintinhull to Tamworth 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 Nemingha and Tintinhull?
At 3% annual cost growth, Nemingha costs a cumulative $72,796 and Tintinhull costs $78,230 over 10 years by car. The cumulative difference is $5,434 in favour of Nemingha. Excludes purchase price, mortgage, and personal expenses.
Which of Nemingha and Tintinhull suits you better?
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Sources: Tamworth Regional rates (OLG and Tamworth Regional 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.