The Bight vs Wingham, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
The Bight and Wingham are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Wingham runs $600 a year cheaper than The Bight, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,878.
Over 10 years the gap between these two is about $6,900, about $13 a week, and most of it is the AI-estimated insurance line.
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Wingham
Annual cost breakdown
| Category | The Bight | Wingham | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,800 | $2,200 | +$600 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,909 | $23,309 | +$600 |
| Total (public transport) | $23,909 | $23,309 | +$600 |
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 | The Bight | Wingham | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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, The Bight vs Wingham (2026-27)
What the numbers show
The Bight and Wingham differ by $600 a year by car, but $600 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $600 per year. The Bight carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $600 per year, $23,909 from The Bight versus $23,309 from Wingham.
Where the difference actually comes from
- Council rates is identical at $1,609 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Wingham by $600 a year, $2,200 against $2,800.
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 the insurance band.
Flood risk is rated high in The Bight against medium in Wingham, which feeds the insurance estimate. The catchment state school scores 4.4 in Wingham against 3.4 in The Bight, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | The Bight cumulative | Wingham cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,909 | $23,309 | $600 |
| Year 3 | $73,900 | $72,046 | $1,854 |
| Year 5 | $126,936 | $123,751 | $3,185 |
| Year 10 | $274,090 | $267,212 | $6,878 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is The Bight or Wingham cheaper to live in?
Neither is named cheaper. The Bight runs $23,909 a year by car and Wingham $23,309, but most of the $600 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in The Bight and Wingham?
Annual council rates for a house are $1,609 in The Bight (Mid-Coast rates (OLG) and $1,609 in Wingham (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in The Bight and $1,300 in Wingham. 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 The Bight and Wingham?
The Bight carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Wingham carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between The Bight and Wingham?
At 3% annual cost growth, The Bight costs a cumulative $274,090 and Wingham costs $267,212 over 10 years by car. The cumulative difference is $6,878 in favour of Wingham. Excludes purchase price, mortgage, and personal expenses.
Which of The Bight and Wingham suits you better?
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Sources: Mid-Coast rates (OLG and Mid-Coast 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.