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409.3 km from CBD
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True annual cost of living in Bulgary, NSW 2650

Living in a house in Bulgary costs about $22,644 a year: council rates, water and sewerage, commute and home insurance combined. Bulgary sits 409.3 kilometres from Sydney CBD. Unit costs come in at $22,254, as lower council rates more than offset the $1,500 body corporate levy. At 409.3km, the commute dominates running costs. Drivers pay $15,200 more per year than public transport users.

Last updated July 2026 · Wagga Wagga Council rates 2026-27, ATO 88c/km, AER electricity benchmarks

3 key insights
Running costs sit near the Wagga Wagga average, cheaper than 41% of suburbs in the region.
The commute is the biggest expense at $17,600, roughly 78% of the annual total.
Switching from driving to public transport saves $15,200 a year, a significant saving at this distance.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$22,644
Driving · per year
$1,887/month
Lower cost
Unit annual cost
$22,254
Incl. body corporate
$1,855/month
House vs unit difference
−$390
Unit is cheaper per year
Annual cost breakdown
Council rates
Wagga Wagga rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,294
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
ATO 88c/km · 409.3km from CBD · 192 days
$17,600
Home insurance
Estimated · flood Medium · fire Medium
$2,450
Total annual running cost
$22,644
($1,887/month)
Near Wagga Wagga average
SuburbCost affordability score ●●○○○ 4.6/10 Poor
Cheaper to run than 41% of Wagga Wagga suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$2,453/yr
6,160 kWh
Unit
$1,944/yr
4,620 kWh
Estimated from AER residential benchmarks for Bulgary's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Bulgary with another suburb
Is it cheaper to drive or take public transport from Bulgary to the CBD?
Public transport saves Bulgary residents $15,200 per year. Annual commute cost by car is $17,600 versus $2,400 by public transport using the Opal network.
What are the council rates in Bulgary?
Bulgary falls under Wagga Wagga Council. The average residential rate for 2026-27 is $1,294 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,294 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Bulgary?
Running a unit in Bulgary costs approximately $22,254 per year by car or $7,054 by public transport. This includes council rates of $1,294, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $560. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Wagga Wagga rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2025–26 (88c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data updated 2026-07.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.