Nowra vs Worrigee, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Nowra and Worrigee are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Nowra runs $450 a year cheaper than Worrigee, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
Over 10 years the gap between these two is about $5,200, about $10 a week, and most of it is the AI-estimated insurance line.
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Worrigee
Annual cost breakdown
| Category | Nowra | Worrigee | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,547 | - |
| 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 | $1,800 | $2,250 | -$450 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,847 | $23,297 | -$450 |
| Total (public transport) | $22,847 | $23,297 | -$450 |
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 | Nowra | Worrigee | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Nowra vs Worrigee (2026-27)
What the numbers show
Nowra and Worrigee differ by $450 a year by car, but $450 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 $450 per year. Worrigee carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $22,847 from Nowra versus $23,297 from Worrigee.
Where the difference actually comes from
- Council rates is identical at $1,547 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Nowra by $450 a year, $1,800 against $2,250.
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.
Fire risk is rated high in Worrigee against low in Nowra, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Nowra cumulative | Worrigee cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,847 | $23,297 | $450 |
| Year 3 | $70,618 | $72,009 | $1,391 |
| Year 5 | $121,298 | $123,687 | $2,389 |
| Year 10 | $261,915 | $267,074 | $5,159 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Nowra or Worrigee cheaper to live in?
Neither is named cheaper. Nowra runs $22,847 a year by car and Worrigee $23,297, but most of the $450 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 Nowra and Worrigee?
Annual council rates for a house are $1,547 in Nowra (Shoalhaven rates (OLG) and $1,547 in Worrigee (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Nowra and $1,300 in Worrigee. 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 and Worrigee?
Nowra 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. Worrigee 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 Nowra and Worrigee?
At 3% annual cost growth, Nowra costs a cumulative $261,915 and Worrigee costs $267,074 over 10 years by car. The cumulative difference is $5,159 in favour of Nowra. Excludes purchase price, mortgage, and personal expenses.
Which of Nowra and Worrigee suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.