Numulgi vs Tullera: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Numulgi and Tullera are both Lismore rates (OLG suburbs, sitting 605.4 km and 602 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Tullera runs $450 a year cheaper than Numulgi, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,158.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Numulgi
Tullera
Annual cost breakdown
| Category | Numulgi | Tullera | Difference |
|---|---|---|---|
| Council rates | $1,534 | $1,534 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,000 | +$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,884 | $22,434 | +$450 |
| Total (public transport) | $7,684 | $7,234 | +$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Numulgi | Tullera | Difference |
|---|---|---|---|
| House | $2,098 | $2,098 | - |
| Unit | $1,679 | $1,679 | - |
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 — Numulgi vs Tullera (2026-27)
What the numbers show
Tullera costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,158 in favour of Tullera.
The biggest single gap is home insurance at $450 per year. Numulgi carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,684 from Numulgi versus $7,234 from Tullera.
10-year cumulative cost projection
| Year | Numulgi cumulative | Tullera cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,884 | $22,434 | $450 |
| Year 3 | $70,732 | $69,341 | $1,391 |
| Year 5 | $121,494 | $119,105 | $2,389 |
| Year 10 | $262,339 | $257,181 | $5,158 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Numulgi or Tullera cheaper to live in?
Tullera is cheaper to run by car at $22,434 per year versus $22,884 for Numulgi, a difference of $450 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Numulgi and Tullera?
Annual council rates for a house are $1,534 in Numulgi (Lismore rates (OLG) and $1,534 in Tullera (Lismore rates (OLG). Water and sewerage adds $1,300 in Numulgi and $1,300 in Tullera. 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 Numulgi and Tullera?
Annual driving commute costs are $17,600 from Numulgi and $17,600 from Tullera to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Numulgi and $2,400 from Tullera.
What is the 10-year cost difference between Numulgi and Tullera?
At 3% annual cost growth, Numulgi costs a cumulative $262,339 and Tullera costs $257,181 over 10 years by car. The cumulative difference is $5,158 in favour of Tullera. Excludes purchase price, mortgage, and personal expenses.
Which of Numulgi and Tullera 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: Lismore rates (OLG and Lismore 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.