Living in a house in Culcairn costs about $11,095 a year: council rates, water and sewerage, commute and home insurance combined. Culcairn sits 44.2 kilometres from Albury CBD. Unit costs reach $11,305, with the $1,500 body corporate levy accounting for the entire difference between the two. The commute is costed by car to Albury, at $6,912 a year, because no daily public transport commute is assumed here.
About $213 a week to run a house here, including estimates
Unit annual cost
$11,305
Incl. body corporate
$942/month
About $217 a week to run a unit here, including estimates
House vs unit difference
+$210
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Greater Hume rates
$1,033
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 ATO 91c/km · 44.2km from Albury CBD · 192 days
$6,912
Home insurance
Estimated flood Medium · fire Medium
$1,850
Body corporate
Estimated
$1,500
Total annual running cost
$11,095
($925/month, $213/week)
Excludes electricity, estimated separately below.
↓ 29% below Greater Hume average
SuburbCost affordability score ●●●○○6.4/10 Average
Cheaper to run than 72% of Greater Hume 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 Culcairn'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 Culcairn
within a 2 km walk
Nearest stop
Culcairn, 4,535 m away, about a 57 minute walk. It is a train stop.
Nearest hospital
Culcairn Multi-Purpose Service, 4,821 m away, about a 60 minute walk.
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.
Compare Culcairn with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about Culcairn
Is it cheaper to drive or take public transport from Culcairn to Albury CBD?
Public transport options are limited in Culcairn; driving is the practical commute at $6,912 per year.
What are the council rates in Culcairn?
Culcairn falls under Greater Hume Council. The average residential rate for 2026-27 is $1,033 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 $1,033 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Culcairn?
Running a unit in Culcairn costs approximately $11,305 per year by car or $11,305 by public transport. This includes council rates of $1,033, 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.
Is Culcairn close to public transport?
The nearest scheduled service to the centre of Culcairn is Culcairn, a train stop about 4,535 m away, about a 57 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.
What is the closest hospital to Culcairn?
The closest hospital to the centre of Culcairn is Culcairn Multi-Purpose Service, about 4,821 m away, about a 60 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.
What shops and parks are in Culcairn?
Within a 2 km walk of the centre of Culcairn 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: Greater Hume 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.