Nowra Hill vs Parma: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Nowra Hill and Parma are both Shoalhaven rates (OLG suburbs, sitting 133.6 km and 135 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Nowra Hill
Parma
Annual cost breakdown
| Category | Nowra Hill | Parma | Difference |
|---|---|---|---|
| Council rates | $1,547 | $1,547 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,447 | $22,447 | - |
| Total (public transport) | $7,247 | $7,247 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Nowra Hill | Parma | Difference |
|---|---|---|---|
| House | $2,420 | $2,420 | - |
| Unit | $1,920 | $1,920 | - |
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 — Nowra Hill vs Parma (2026-27)
What the numbers show
Nowra Hill and Parma cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $7,247 and $7,247 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Nowra Hill cumulative | Parma cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,447 | $22,447 | $0 |
| Year 3 | $69,381 | $69,381 | $0 |
| Year 5 | $119,174 | $119,174 | $0 |
| Year 10 | $257,330 | $257,330 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Nowra Hill or Parma cheaper to live in?
Nowra Hill is cheaper to run by car at $22,447 per year versus $22,447 for Parma, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Nowra Hill and Parma?
Annual council rates for a house are $1,547 in Nowra Hill (Shoalhaven rates (OLG) and $1,547 in Parma (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Nowra Hill and $1,300 in Parma. 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 Nowra Hill and Parma?
Annual driving commute costs are $17,600 from Nowra Hill and $17,600 from Parma to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Nowra Hill and $2,400 from Parma.
What is the 10-year cost difference between Nowra Hill and Parma?
At 3% annual cost growth, Nowra Hill costs a cumulative $257,330 and Parma costs $257,330 over 10 years by car. The cumulative difference is $0 in favour of Nowra Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Nowra Hill and Parma 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: Shoalhaven rates (OLG and Shoalhaven 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.