Raglan vs White Rock, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Raglan and White Rock are both Bathurst Regional rates (OLG suburbs, sitting 6 km and 4.8 km from Bathurst CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $38 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.
Over 10 years these two cost about the same to run.
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White Rock
Annual cost breakdown
| Category | Raglan | White Rock | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,341 | $1,341 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $1,939 | $1,577 | +$362 |
| Commute (public transport) Modelled, 2026-27 | $1,939 | $1,577 | +$362 |
| Home insurance Estimated | $1,550 | $1,950 | -$400 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $6,130 | $6,168 | -$38 |
| Total (public transport) | $6,130 | $6,168 | -$38 |
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 | Raglan | White Rock | Difference |
|---|---|---|---|
| House | $3,257 | $3,257 | - |
| Unit | $2,691 | $2,691 | - |
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, Raglan vs White Rock (2026-27)
What the numbers show
Raglan and White Rock cost within $38 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $435, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $400 per year. White Rock carries medium flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $6,130 and $6,168 a year, so the $38 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,341 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours White Rock by $362 a year, $1,577 against $1,939.
- Building insurance favours Raglan by $400 a year, $1,550 against $1,950.
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 commute distance and the insurance band.
Flood risk is rated medium in White Rock against low in Raglan, which feeds the insurance estimate. The catchment state school scores 5.5 in Raglan against 4.4 in White Rock, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Raglan cumulative | White Rock cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,130 | $6,168 | $38 |
| Year 3 | $18,947 | $19,065 | $118 |
| Year 5 | $32,545 | $32,747 | $202 |
| Year 10 | $70,274 | $70,709 | $435 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Raglan or White Rock cheaper to live in?
Raglan is cheaper to run by car at $6,130 per year versus $6,168 for White Rock, a difference of $38 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Raglan and White Rock?
Annual council rates for a house are $1,341 in Raglan (Bathurst Regional rates (OLG) and $1,341 in White Rock (Bathurst Regional rates (OLG). Water and sewerage adds $1,300 in Raglan and $1,300 in White Rock. 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 Raglan and White Rock?
Annual driving commute costs are $1,939 from Raglan and $1,577 from White Rock to Bathurst CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Raglan and White Rock?
At 3% annual cost growth, Raglan costs a cumulative $70,274 and White Rock costs $70,709 over 10 years by car. The cumulative difference is $435 in favour of Raglan. Excludes purchase price, mortgage, and personal expenses.
Which of Raglan and White Rock suits you better?
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: Bathurst Regional rates (OLG and Bathurst Regional 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.