Taylors Arm vs Yarranbella: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Taylors Arm and Yarranbella are both Nambucca Valley rates (OLG suburbs, sitting 375 km and 376.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Yarranbella runs $400 a year cheaper than Taylors Arm, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
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 →Taylors Arm
Yarranbella
Annual cost breakdown
| Category | Taylors Arm | Yarranbella | Difference |
|---|---|---|---|
| Council rates | $1,175 | $1,175 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,475 | $22,075 | +$400 |
| Total (public transport) | $7,275 | $6,875 | +$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Taylors Arm | Yarranbella | 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 — Taylors Arm vs Yarranbella (2026-27)
What the numbers show
Yarranbella costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,586 in favour of Yarranbella.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,275 from Taylors Arm versus $6,875 from Yarranbella.
10-year cumulative cost projection
| Year | Taylors Arm cumulative | Yarranbella cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,475 | $22,075 | $400 |
| Year 3 | $69,468 | $68,232 | $1,236 |
| Year 5 | $119,323 | $117,199 | $2,124 |
| Year 10 | $257,651 | $253,065 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Taylors Arm or Yarranbella cheaper to live in?
Yarranbella is cheaper to run by car at $22,075 per year versus $22,475 for Taylors Arm, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Taylors Arm and Yarranbella?
Annual council rates for a house are $1,175 in Taylors Arm (Nambucca Valley rates (OLG) and $1,175 in Yarranbella (Nambucca Valley rates (OLG). Water and sewerage adds $1,300 in Taylors Arm and $1,300 in Yarranbella. 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 Taylors Arm and Yarranbella?
Annual driving commute costs are $17,600 from Taylors Arm and $17,600 from Yarranbella to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Taylors Arm and $2,400 from Yarranbella.
What is the 10-year cost difference between Taylors Arm and Yarranbella?
At 3% annual cost growth, Taylors Arm costs a cumulative $257,651 and Yarranbella costs $253,065 over 10 years by car. The cumulative difference is $4,586 in favour of Yarranbella. Excludes purchase price, mortgage, and personal expenses.
Which of Taylors Arm and Yarranbella 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: Nambucca Valley rates (OLG and Nambucca Valley 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.