Ulladulla vs Woodstock, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Ulladulla and Woodstock are both Shoalhaven rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Ulladulla runs $650 a year cheaper than Woodstock, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,452.
Over 10 years the gap between these two is about $7,500, about $14 a week, and most of it is the AI-estimated insurance line.
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Woodstock
Annual cost breakdown
| Category | Ulladulla | Woodstock | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,547 | $1,547 | - |
| 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 | $1,600 | $2,250 | -$650 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $22,647 | $23,297 | -$650 |
| Total (public transport) | $22,647 | $23,297 | -$650 |
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 | Ulladulla | Woodstock | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
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, Ulladulla vs Woodstock (2026-27)
What the numbers show
Ulladulla and Woodstock differ by $650 a year by car, but $650 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 $650 per year. Woodstock carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $22,647 from Ulladulla versus $23,297 from Woodstock.
Where the difference actually comes from
- Council rates is identical at $1,547 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Ulladulla by $650 a year, $1,600 against $2,250.
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 Woodstock against medium in Ulladulla, which feeds the insurance estimate. Fire risk is rated high in Woodstock against medium in Ulladulla, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Ulladulla cumulative | Woodstock cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,647 | $23,297 | $650 |
| Year 3 | $70,000 | $72,009 | $2,009 |
| Year 5 | $120,236 | $123,687 | $3,451 |
| Year 10 | $259,622 | $267,074 | $7,452 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ulladulla or Woodstock cheaper to live in?
Neither is named cheaper. Ulladulla runs $22,647 a year by car and Woodstock $23,297, but most of the $650 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 Ulladulla and Woodstock?
Annual council rates for a house are $1,547 in Ulladulla (Shoalhaven rates (OLG) and $1,547 in Woodstock (Shoalhaven rates (OLG). Water and sewerage adds $1,300 in Ulladulla and $1,300 in Woodstock. 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 Ulladulla and Woodstock?
Ulladulla 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. Woodstock 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 Ulladulla and Woodstock?
At 3% annual cost growth, Ulladulla costs a cumulative $259,622 and Woodstock costs $267,074 over 10 years by car. The cumulative difference is $7,452 in favour of Ulladulla. Excludes purchase price, mortgage, and personal expenses.
Which of Ulladulla and Woodstock suits you better?
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Sources: Shoalhaven rates (OLG and Shoalhaven 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.