Bakers Creek vs Paget: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Bakers Creek and Paget are both Mackay Regional Council suburbs, sitting 8 km and 4.6 km from Mackay CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Paget runs $1,201 a year cheaper than Bakers Creek, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $13,768.
Over 10 years, Paget costs about $13,800 less to run than Bakers Creek — the same as paying $13,800 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bakers Creek
Paget
Annual cost breakdown
| Category | Bakers Creek | Paget | Difference |
|---|---|---|---|
| Council rates | $1,466 | $1,466 | - |
| Water & sewerage | $2,048 | $2,048 | - |
| Commute (driving) | $2,516 | $1,515 | +$1,001 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $4,400 | $4,200 | +$200 |
| Body corporate (unit) | $1,800 | $2,000 | -$200 |
| Total (driving) | $10,430 | $9,229 | +$1,201 |
| Total (public transport) | $8,106 | $7,906 | +$200 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Bakers Creek | Paget | Difference |
|---|---|---|---|
| House | $2,140 | $2,140 | - |
| Unit | $1,770 | $1,770 | - |
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 — Bakers Creek vs Paget (2026-27)
What the numbers show
Paget costs $1,201 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $13,768 in favour of Paget.
The biggest single gap is commute costs at $1,001 per year. Bakers Creek is 8 km from Mackay CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $8,106 from Bakers Creek versus $7,906 from Paget.
Where the difference actually comes from
- Council rates is identical at $1,466 a year.
- Water and sewerage is identical at $2,048 a year.
- Driving commute favours Paget by $1,001 a year, $1,515 against $2,516.
- Building insurance favours Paget by $200 a year, $4,200 against $4,400.
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 and the insurance band.
10-year cumulative cost projection
| Year | Bakers Creek cumulative | Paget cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,430 | $9,229 | $1,201 |
| Year 3 | $32,238 | $28,526 | $3,712 |
| Year 5 | $55,374 | $48,998 | $6,376 |
| Year 10 | $119,568 | $105,800 | $13,768 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bakers Creek or Paget cheaper to live in?
Paget is cheaper to run by car at $9,229 per year versus $10,430 for Bakers Creek, a difference of $1,201 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bakers Creek and Paget?
Annual council rates for a house are $1,466 in Bakers Creek (Mackay Regional Council) and $1,466 in Paget (Mackay Regional Council). Water and sewerage adds $2,048 in Bakers Creek and $2,048 in Paget. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Bakers Creek and Paget?
Annual driving commute costs are $2,516 from Bakers Creek and $1,515 from Paget to Mackay CBD (ATO 91c/km). Public transport costs $192 from Bakers Creek and $192 from Paget.
What is the 10-year cost difference between Bakers Creek and Paget?
At 3% annual cost growth, Bakers Creek costs a cumulative $119,568 and Paget costs $105,800 over 10 years by car. The cumulative difference is $13,768 in favour of Paget. Excludes purchase price, mortgage, and personal expenses.
Which of Bakers Creek and Paget is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Mackay Regional Council and Mackay Regional Council rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.