Oakey Park vs State Mine Gully: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Oakey Park and State Mine Gully are both Lithgow rates (OLG suburbs, sitting 104.6 km and 104.1 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.
Oakey Park
State Mine Gully
Annual cost breakdown
| Category | Oakey Park | State Mine Gully | Difference |
|---|---|---|---|
| Council rates | $1,186 | $1,186 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $22,486 | $22,486 | - |
| Total (public transport) | $7,286 | $7,286 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Oakey Park | State Mine Gully | Difference |
|---|---|---|---|
| House | $2,554 | $2,554 | - |
| Unit | $2,020 | $2,020 | - |
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 — Oakey Park vs State Mine Gully (2026-27)
What the numbers show
Oakey Park and State Mine Gully 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, $7,286 and $7,286 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Oakey Park cumulative | State Mine Gully cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,486 | $22,486 | $0 |
| Year 3 | $69,502 | $69,502 | $0 |
| Year 5 | $119,381 | $119,381 | $0 |
| Year 10 | $257,777 | $257,777 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Oakey Park or State Mine Gully cheaper to live in?
Oakey Park is cheaper to run by car at $22,486 per year versus $22,486 for State Mine Gully, 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 Oakey Park and State Mine Gully?
Annual council rates for a house are $1,186 in Oakey Park (Lithgow rates (OLG) and $1,186 in State Mine Gully (Lithgow rates (OLG). Water and sewerage adds $1,300 in Oakey Park and $1,300 in State Mine Gully. 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 Oakey Park and State Mine Gully?
Annual driving commute costs are $17,600 from Oakey Park and $17,600 from State Mine Gully to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Oakey Park and $2,400 from State Mine Gully.
What is the 10-year cost difference between Oakey Park and State Mine Gully?
At 3% annual cost growth, Oakey Park costs a cumulative $257,777 and State Mine Gully costs $257,777 over 10 years by car. The cumulative difference is $0 in favour of Oakey Park. Excludes purchase price, mortgage, and personal expenses.
Which of Oakey Park and State Mine Gully 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: Lithgow rates (OLG and Lithgow 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.