Arcadia vs Nelly Bay, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Arcadia and Nelly Bay are both Townsville City Council suburbs, sitting 13.7 km and 11.7 km from Townsville CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Nelly Bay runs $478 a year cheaper than Arcadia, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $5,479.
Over 10 years, Nelly Bay costs about $5,500 less to run than Arcadia. That's about $11 a week.
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Nelly Bay
Annual cost breakdown
| Category | Arcadia | Nelly Bay | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,343 | $1,343 | - |
| Water & sewerage Official, 2026-27 | $2,099 | $2,099 | - |
| Commute (driving) Modelled, 2026-27 | $3,968 | $3,490 | +$478 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $4,150 | $4,150 | - |
| Body corporate (unit) Estimated | $2,000 | $2,600 | -$600 |
| Total (driving) | $11,560 | $11,082 | +$478 |
| Total (public transport) | $7,784 | $7,784 | - |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Arcadia | Nelly Bay | Difference |
|---|---|---|---|
| House | $2,373 | $2,373 | - |
| Unit | $1,945 | $1,945 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Arcadia vs Nelly Bay (2026-27)
What the numbers show
Nelly Bay costs $478 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,479 in favour of Nelly Bay.
The biggest single gap is commute costs at $478 per year. Arcadia is 13.7 km from Townsville CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,784 and $7,784 a year, so the $478 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,343 a year.
- Water and sewerage is identical at $2,099 a year.
- Driving commute favours Nelly Bay by $478 a year, $3,490 against $3,968.
- Building insurance is identical at $4,150 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
10-year cumulative cost projection
| Year | Arcadia cumulative | Nelly Bay cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,560 | $11,082 | $478 |
| Year 3 | $35,731 | $34,253 | $1,478 |
| Year 5 | $61,374 | $58,836 | $2,538 |
| Year 10 | $132,522 | $127,043 | $5,479 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Arcadia or Nelly Bay cheaper to live in?
Nelly Bay is cheaper to run by car at $11,082 per year versus $11,560 for Arcadia, a difference of $478 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Arcadia and Nelly Bay?
Annual council rates for a house are $1,343 in Arcadia (Townsville City Council) and $1,343 in Nelly Bay (Townsville City Council). Water and sewerage adds $2,099 in Arcadia and $2,099 in Nelly Bay. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Arcadia and Nelly Bay?
Annual driving commute costs are $3,968 from Arcadia and $3,490 from Nelly Bay to Townsville CBD (ATO 91c/km). Public transport costs $192 from Arcadia and $192 from Nelly Bay.
What is the 10-year cost difference between Arcadia and Nelly Bay?
At 3% annual cost growth, Arcadia costs a cumulative $132,522 and Nelly Bay costs $127,043 over 10 years by car. The cumulative difference is $5,479 in favour of Nelly Bay. Excludes purchase price, mortgage, and personal expenses.
Which of Arcadia and Nelly Bay suits you better?
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Sources: Townsville City Council and Townsville City Council rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.