Beechwood vs Rosewood: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Beechwood and Rosewood are both Port Macquarie-Hastings rates (OLG suburbs, sitting 22.5 km and 21.9 km from Port Macquarie CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Rosewood runs $343 a year cheaper than Beechwood, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,932.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Beechwood
Rosewood
Annual cost breakdown
| Category | Beechwood | Rosewood | Difference |
|---|---|---|---|
| Council rates | $1,370 | $1,370 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $5,651 | $5,558 | +$93 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $2,850 | +$250 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $11,421 | $11,078 | +$343 |
| Total (public transport) | $8,170 | $7,920 | +$250 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Beechwood | Rosewood | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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 — Beechwood vs Rosewood (2026-27)
What the numbers show
Rosewood costs $343 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,932 in favour of Rosewood.
The biggest single gap is home insurance at $250 per year. Beechwood carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $250 per year, $8,170 from Beechwood versus $7,920 from Rosewood.
Where the difference actually comes from
- Council rates is identical at $1,370 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Rosewood by $93 a year, $5,558 against $5,651.
- Building insurance favours Rosewood by $250 a year, $2,850 against $3,100.
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.
Flood risk is rated high in Beechwood against medium in Rosewood, which feeds the insurance estimate. Fire risk is rated high in Rosewood against medium in Beechwood, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Beechwood cumulative | Rosewood cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,421 | $11,078 | $343 |
| Year 3 | $35,301 | $34,241 | $1,060 |
| Year 5 | $60,636 | $58,815 | $1,821 |
| Year 10 | $130,929 | $126,997 | $3,932 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Beechwood or Rosewood cheaper to live in?
Rosewood is cheaper to run by car at $11,078 per year versus $11,421 for Beechwood, a difference of $343 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Beechwood and Rosewood?
Annual council rates for a house are $1,370 in Beechwood (Port Macquarie-Hastings rates (OLG) and $1,370 in Rosewood (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Beechwood and $1,300 in Rosewood. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Beechwood and Rosewood?
Annual driving commute costs are $5,651 from Beechwood and $5,558 from Rosewood to Port Macquarie CBD (ATO 91c/km). Public transport costs $2,400 from Beechwood and $2,400 from Rosewood.
What is the 10-year cost difference between Beechwood and Rosewood?
At 3% annual cost growth, Beechwood costs a cumulative $130,929 and Rosewood costs $126,997 over 10 years by car. The cumulative difference is $3,932 in favour of Rosewood. Excludes purchase price, mortgage, and personal expenses.
Which of Beechwood and Rosewood 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: Port Macquarie-Hastings rates (OLG and Port Macquarie-Hastings rates (OLG 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.