Living in a house in The Rock costs about $10,516 a year: council rates, water and sewerage, commute and home insurance combined. The Rock sits 27.9 kilometres from Wagga Wagga CBD. Unit costs come in at $10,126, as lower council rates more than offset the $1,500 body corporate levy. At 27.9km from Wagga Wagga CBD, transport mode shifts the annual total by $3,949. The gap widens as commute costs rise.
ATO 91c/km · 27.9km from Wagga Wagga CBD · 192 days
$6,349
Home insurance
Estimated · flood Medium · fire Medium
$2,450
Body corporate
Estimated
$1,500
Total annual running cost
$10,516
($876/month)
↓ 44% below Lockhart average
SuburbCost affordability score ●●●●○7.7/10 Good
Cheaper to run than 100% of Lockhart 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 The Rock'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 The Rock
within a 2 km walk
Nearest stop
The Rock, 863 m away, about an 11 minute walk. It is a train stop.
Supermarkets
1
Cafes
1
Parks
5
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.
Compare The Rock with another suburb
Nearby: No nearby suburbs with data found
Frequently asked questions about The Rock
Is it cheaper to drive or take public transport from The Rock to Wagga Wagga CBD?
Public transport saves The Rock residents $3,949 per year. Annual commute cost by car is $6,349 versus $2,400 by public transport using the Opal network.
What are the council rates in The Rock?
The Rock falls under Lockhart Council. The average residential rate for 2026-27 is $417 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 $417 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in The Rock?
Running a unit in The Rock costs approximately $10,126 per year by car or $6,177 by public transport. This includes council rates of $417, 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 The Rock close to public transport?
The nearest scheduled service to the centre of The Rock is The Rock, a train stop about 863 m away, about an 11 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 shops and parks are in The Rock?
Within a 2 km walk of the centre of The Rock there is 1 supermarket, 1 cafe and 5 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: Lockhart 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.