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237.1 km from CBD
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True annual cost of living in Cudal, NSW 2864

Living in a house in Cudal costs about $21,675 a year: council rates, water and sewerage, commute and home insurance combined. Cudal sits 237.1 kilometres from Sydney CBD. Unit costs come in at $21,635, as lower council rates more than offset the $1,500 body corporate levy. At 237.1km, the commute dominates running costs. Drivers pay $15,200 more per year than public transport users.

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

3 key insights
Running costs sit near the Cabonne average, cheaper than 100% of suburbs in the region.
The commute is the biggest expense at $17,600, roughly 81% 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
$21,675
Driving · per year
$1,806/month
Lower cost
Unit annual cost
$21,635
Incl. body corporate
$1,803/month
House vs unit difference
−$40
Unit is cheaper per year
Annual cost breakdown
Council rates
Cabonne rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$775
Water & sewerage
Regional NSW estimate
$1,300
Driving commute
ATO 88c/km · 237.1km from CBD · 192 days
$17,600
Home insurance
Estimated · flood Low · fire Medium
$2,000
Total annual running cost
$21,675
($1,806/month)
Near Cabonne average
SuburbCost affordability score ●●●●○ 7.9/10 Good
Cheaper to run than 100% of Cabonne 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 Cudal's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Cudal with another suburb
Nearby: No nearby suburbs with data found
Is it cheaper to drive or take public transport from Cudal to the CBD?
Public transport saves Cudal 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 Cudal?
Cudal falls under Cabonne Council. The average residential rate for 2026-27 is $775 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 $775 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Cudal?
Running a unit in Cudal costs approximately $21,635 per year by car or $6,435 by public transport. This includes council rates of $775, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $460. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Cabonne 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.