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True annual cost of living in Collerina, NSW 2839

Living in a house in Collerina costs about $21,494 a year: council rates, water and sewerage, commute and home insurance combined. Collerina sits more than 100 kilometres from Sydney CBD. Unit costs reach $21,854, with the $1,500 body corporate levy accounting for the entire difference between the two. 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 · Brewarrina Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Brewarrina average, cheaper than 56% of suburbs in the region.
The commute is the biggest expense at $18,200, roughly 85% of the annual total.
Flood 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 →
Lower cost
House annual cost
$21,494
Driving · per year
$1,791/month
About $413 a week to run a house here, including estimates
Unit annual cost
$21,854
Incl. body corporate
$1,821/month
About $420 a week to run a unit here, including estimates
House vs unit difference
+$360
Unit costs more per year

Annual cost breakdown

Council rates
Official, 2026-27 Brewarrina rates
$144
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 Regional driving allowance · ATO 91c/km · 20,000km a year
$18,200
Home insurance
Estimated flood High · fire Medium
$1,850
Total annual running cost
$21,494
($1,791/month, $413/week)

Excludes electricity, estimated separately below.

Near Brewarrina average
SuburbCost affordability score ●●○○○ 4.7/10 Poor
Cheaper to run than 56% of Brewarrina suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$3,150/yr
6,160 kWh
Unit
$2,611/yr
4,620 kWh
Estimated from AER residential benchmarks for Collerina'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 Collerina

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 2026-11-03. 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.

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Frequently asked questions about Collerina

How is driving costed for Collerina?

Collerina 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 Collerina?

Collerina falls under Brewarrina Council. The average residential rate for 2026-27 is $144 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 $144 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Collerina?

Running a unit in Collerina costs approximately $21,854 per year by car or $21,854 by public transport. This includes council rates of $144, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $710. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Collerina close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Collerina. 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 Collerina?

Within a 2 km walk of the centre of Collerina 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: Brewarrina rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data last verified September 2026.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.