Living in a house in Estella costs about $5,977 a year: council rates, water and sewerage, commute and home insurance combined. Estella sits 3.7 kilometres from Wagga Wagga CBD. Unit costs come in at $5,817, as lower council rates more than offset the $1,500 body corporate levy. Transport mode has the biggest effect on total cost in a suburb this close to the city.
ATO 91c/km · 3.7km from Wagga Wagga CBD · 192 days
$1,233
Home insurance
Estimated · flood Medium · fire Low
$2,150
Body corporate
Estimated
$1,500
Total annual running cost
$5,977
($498/month)
↓ 38% below Wagga Wagga average
SuburbCost affordability score ●●●●○7.6/10 Good
Cheaper to run than 90% of Wagga Wagga 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 Estella'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 Estella
within a 2 km walk
Nearest stop
Wagga Wagga, 5,217 m away, about a 65 minute walk. It is a train stop.
Nearest hospital
Calvary Riverina Surgicentre, 4,468 m away, about a 56 minute walk.
Supermarkets
2
Cafes
0
Parks
10
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.
Is it cheaper to drive or take public transport from Estella to Wagga Wagga CBD?
Driving saves Estella residents $1,167 per year. Annual commute cost by car is $1,233 versus $2,400 by public transport using the Opal network.
What are the council rates in Estella?
Estella 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 Estella?
Running a unit in Estella costs approximately $5,817 per year by car or $6,984 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 $490. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Estella close to public transport?
The nearest scheduled service to the centre of Estella is Wagga Wagga, a train stop about 5,217 m away, about a 65 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 Estella?
The closest hospital to the centre of Estella is Calvary Riverina Surgicentre, about 4,468 m away, about a 56 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 Estella?
Within a 2 km walk of the centre of Estella there are 2 supermarkets, 0 cafes and 10 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: Wagga Wagga 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.