Raglan vs White Rock: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Raglan and White Rock are both Bathurst Regional rates (OLG suburbs, sitting 153.2 km and 155.4 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Raglan runs $450 a year cheaper than White Rock, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
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 →Raglan
White Rock
Annual cost breakdown
| Category | Raglan | White Rock | Difference |
|---|---|---|---|
| Council rates | $1,341 | $1,341 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $1,700 | $2,150 | -$450 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $21,941 | $22,391 | -$450 |
| Total (public transport) | $6,741 | $7,191 | -$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 | Raglan | White Rock | 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 — Raglan vs White Rock (2026-27)
What the numbers show
Raglan costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,159 in favour of Raglan.
The biggest single gap is home insurance at $450 per year. White Rock carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $6,741 from Raglan versus $7,191 from White Rock.
10-year cumulative cost projection
| Year | Raglan cumulative | White Rock cumulative | Difference |
|---|---|---|---|
| Year 1 | $21,941 | $22,391 | $450 |
| Year 3 | $67,817 | $69,208 | $1,391 |
| Year 5 | $116,488 | $118,877 | $2,389 |
| Year 10 | $251,529 | $256,688 | $5,159 |
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 $21,941 per year versus $22,391 for White Rock, 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 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 $17,600 from Raglan and $17,600 from White Rock to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Raglan and $2,400 from White Rock.
What is the 10-year cost difference between Raglan and White Rock?
At 3% annual cost growth, Raglan costs a cumulative $251,529 and White Rock costs $256,688 over 10 years by car. The cumulative difference is $5,159 in favour of Raglan. Excludes purchase price, mortgage, and personal expenses.
Which of Raglan and White Rock 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.