Annual cost of living in Pine Clump, NSW 2824

Living in a house in Pine Clump costs about $22,051 a year: council rates, water and sewerage, commute and home insurance combined. Pine Clump sits 392.6 kilometres from Sydney CBD. Unit costs come in at $21,661, as lower council rates more than offset the $1,500 body corporate levy. At 392.6km, the commute dominates running costs. Drivers pay $15,200 more per year than public transport users.

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

3 key insights

Running costs sit near the Warren average, cheaper than 100% of suburbs in the region.

The commute is the biggest expense at $17,600, roughly 80% 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

$22,051

Driving · per year

$1,838/month

Lower cost

Unit annual cost

$21,661

Incl. body corporate

$1,805/month

House vs unit difference

−$390

Unit is cheaper per year

Annual cost breakdown

Council rates

Warren rates (OLG 2024-25 + IPART 2026-27 peg) · average rate

$701

Water & sewerage

Regional NSW estimate

$1,300

Driving commute

ATO 88c/km · 392.6km from CBD · 192 days

$17,600

Home insurance

Estimated · flood Medium · fire Medium

$2,450

Total annual running cost

$22,051

($1,838/month)

Near Warren average

SuburbCost affordability score ●●●●○ 7.1/10 Good

Cheaper to run than 100% of Warren 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 Pine Clump's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.

Compare Pine Clump with another suburb

Nearby: No nearby suburbs with data found

Is it cheaper to drive or take public transport from Pine Clump to the CBD?

Public transport saves Pine Clump 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 Pine Clump?

Pine Clump falls under Warren Council. The average residential rate for 2026-27 is $701 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 $701 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Pine Clump?

Running a unit in Pine Clump costs approximately $21,661 per year by car or $6,461 by public transport. This includes council rates of $701, 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.

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Data sources: Council rates: Warren 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.

True annual cost of living in Pine Clump, NSW 2824

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