Wang Wauk vs Willina, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Wang Wauk and Willina are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Willina runs $300 a year cheaper than Wang Wauk, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
Over 10 years the gap between these two is about $3,400, about $7 a week, and most of it is the AI-estimated insurance line.
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Willina
Annual cost breakdown
| Category | Wang Wauk | Willina | 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 | $1,800 | $1,500 | +$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,909 | $22,609 | +$300 |
| Total (public transport) | $22,909 | $22,609 | +$300 |
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 | Wang Wauk | Willina | 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, Wang Wauk vs Willina (2026-27)
What the numbers show
Wang Wauk and Willina differ by $300 a year by car, but $300 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 $300 per year.
On public transport the gap is $300 per year, $22,909 from Wang Wauk versus $22,609 from Willina.
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 Willina by $300 a year, $1,500 against $1,800.
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.
10-year cumulative cost projection
| Year | Wang Wauk cumulative | Willina cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,909 | $22,609 | $300 |
| Year 3 | $70,809 | $69,882 | $927 |
| Year 5 | $121,627 | $120,034 | $1,593 |
| Year 10 | $262,626 | $259,187 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Wang Wauk or Willina cheaper to live in?
Neither is named cheaper. Wang Wauk runs $22,909 a year by car and Willina $22,609, but most of the $300 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 Wang Wauk and Willina?
Annual council rates for a house are $1,609 in Wang Wauk (Mid-Coast rates (OLG) and $1,609 in Willina (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Wang Wauk and $1,300 in Willina. 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 Wang Wauk and Willina?
Wang Wauk 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. Willina 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 Wang Wauk and Willina?
At 3% annual cost growth, Wang Wauk costs a cumulative $262,626 and Willina costs $259,187 over 10 years by car. The cumulative difference is $3,439 in favour of Willina. Excludes purchase price, mortgage, and personal expenses.
Which of Wang Wauk and Willina 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.