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True annual cost of living in Bungaba, NSW 2852

Living in a house in Bungaba costs about $23,022 a year: council rates, water and sewerage, commute and home insurance combined. Bungaba sits more than 100 kilometres from Sydney CBD. Unit costs come in at $22,672, as lower council rates more than offset the $1,500 body corporate levy. Driving is costed as a flat regional allowance of $18,200, about 20,000km of household driving a year, because a daily CBD commute is not realistic from here.

Last updated July 2026 · Mid-Western Regional Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Mid-Western Regional average, cheaper than 62% of suburbs in the region.
The commute is the biggest expense at $18,200, roughly 79% of the annual total.
Bushfire risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$23,022
Driving · per year
$1,919/month
Lower cost
Unit annual cost
$22,672
Incl. body corporate
$1,889/month
House vs unit difference
−$350
Unit is cheaper per year

Annual cost breakdown

Council rates
Mid-Western Regional rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,122
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated · flood Low · fire High
$2,400
Total annual running cost
$23,022
($1,919/month)
Near Mid-Western Regional average
SuburbCost affordability score ●●○○○ 4.7/10 Poor
Cheaper to run than 62% of Mid-Western Regional suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$3,115/yr
6,060 kWh
Unit
$2,585/yr
4,545 kWh
Estimated from AER residential benchmarks for Bungaba's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.

Getting around Bungaba

within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.

Compare Bungaba with another suburb

Frequently asked questions about Bungaba

How is driving costed for Bungaba?

Bungaba is more than 100 kilometres from Sydney CBD, so a daily commute is not assumed. Driving is costed as a flat regional allowance of $18,200 a year, about 20,000km of household driving at the ATO rate of 91c/km. Add your own workplace in the free report to cost the real drive.

What are the council rates in Bungaba?

Bungaba falls under Mid-Western Regional Council. The average residential rate for 2026-27 is $1,122 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 $1,122 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Bungaba?

Running a unit in Bungaba costs approximately $22,672 per year by car or $6,872 by public transport. This includes council rates of $1,122, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $550. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Bungaba close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Bungaba. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.

What shops and parks are in Bungaba?

Within a 2 km walk of the centre of Bungaba there are 0 supermarkets, 0 cafes and 0 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.

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Data sources: Council rates: Mid-Western Regional rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2026–27 (91c/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.