Pimlico vs West Ballina: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Pimlico and West Ballina are both Ballina Shire Council rates (IPART approved SRV, 6% in suburbs, sitting 595.7 km and 599.3 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.
Pimlico
West Ballina
Annual cost breakdown
| Category | Pimlico | West Ballina | Difference |
|---|---|---|---|
| Council rates | $1,384 | $1,384 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,384 | $23,384 | - |
| Total (public transport) | $8,184 | $8,184 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Pimlico | West Ballina | 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 — Pimlico vs West Ballina (2026-27)
What the numbers show
Pimlico and West Ballina 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, $8,184 and $8,184 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Pimlico cumulative | West Ballina cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,384 | $23,384 | $0 |
| Year 3 | $72,278 | $72,278 | $0 |
| Year 5 | $124,149 | $124,149 | $0 |
| Year 10 | $268,071 | $268,071 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Pimlico or West Ballina cheaper to live in?
Pimlico is cheaper to run by car at $23,384 per year versus $23,384 for West Ballina, 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 Pimlico and West Ballina?
Annual council rates for a house are $1,384 in Pimlico (Ballina Shire Council rates (IPART approved SRV, 6% in) and $1,384 in West Ballina (Ballina Shire Council rates (IPART approved SRV, 6% in). Water and sewerage adds $1,300 in Pimlico and $1,300 in West Ballina. 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 Pimlico and West Ballina?
Annual driving commute costs are $17,600 from Pimlico and $17,600 from West Ballina to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Pimlico and $2,400 from West Ballina.
What is the 10-year cost difference between Pimlico and West Ballina?
At 3% annual cost growth, Pimlico costs a cumulative $268,071 and West Ballina costs $268,071 over 10 years by car. The cumulative difference is $0 in favour of Pimlico. Excludes purchase price, mortgage, and personal expenses.
Which of Pimlico and West Ballina 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.
Related comparisons
Sources: Ballina Shire Council rates (IPART approved SRV, 6% in and Ballina Shire Council rates (IPART approved SRV, 6% in 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.