Annual cost of living in Uralla, NSW 2358

Living in a house in Uralla costs about $21,530 a year: council rates, water and sewerage, commute and home insurance combined. Uralla sits 354.9 kilometres from Sydney CBD. Unit costs reach $21,720, with the $1,500 body corporate levy accounting for the entire difference between the two. At 354.9km, the commute dominates running costs. Drivers pay $15,200 more per year than public transport users.

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

3 key insights

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

The commute is the biggest expense at $17,600, roughly 82% 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 →

Lower cost

House annual cost

$21,530

Driving · per year

$1,794/month

Unit annual cost

$21,720

Incl. body corporate

$1,810/month

House vs unit difference

+$190

Unit costs more per year

Annual cost breakdown

Council rates

Uralla Shire Council rates (IPART approved SRV, 28.5% in 2026-27) · average rate

$930

Water & sewerage

Regional NSW estimate

$1,300

Driving commute

ATO 88c/km · 354.9km from CBD · 192 days

$17,600

Home insurance

Estimated · flood Low · fire Low

$1,700

Total annual running cost

$21,530

($1,794/month)

Near Uralla Shire Council average

SuburbCost affordability score ●●●●● 9.0/10 Excellent

Cheaper to run than 100% of Uralla Shire Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost typical 2-person household

House

$2,420/yr

6,060 kWh

Unit

$1,920/yr

4,545 kWh

Estimated from AER residential benchmarks for Uralla's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.

Compare Uralla with another suburb

Nearby: No nearby suburbs with data found

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

Public transport saves Uralla 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 Uralla?

Uralla falls under Uralla Shire Council. The average residential rate for 2026-27 is $930 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 $930 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Uralla?

Running a unit in Uralla costs approximately $21,720 per year by car or $6,520 by public transport. This includes council rates of $930, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $390. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Uralla Shire Council rates (IPART approved SRV, 28.5% in 2026-27). 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 Uralla, NSW 2358

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