Black Creek vs Logans Crossing: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Black Creek and Logans Crossing are both Port Macquarie-Hastings rates (OLG suburbs, sitting 286.2 km and 286.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Black Creek runs $1,100 a year cheaper than Logans Crossing, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $12,610.
Over 10 years, Black Creek costs about $12,600 less to run than Logans Crossing — the same as paying $12,600 less for the home. It's the cost no listing shows you.
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Logans Crossing
Annual cost breakdown
| Category | Black Creek | Logans Crossing | Difference |
|---|---|---|---|
| Council rates | $1,370 | $1,370 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $3,500 | -$1,100 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,670 | $23,770 | -$1,100 |
| Total (public transport) | $7,470 | $8,570 | -$1,100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Black Creek | Logans Crossing | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Black Creek vs Logans Crossing (2026-27)
What the numbers show
Black Creek costs $1,100 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $12,610 in favour of Black Creek.
The biggest single gap is home insurance at $1,100 per year. Logans Crossing carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,100 per year, $7,470 from Black Creek versus $8,570 from Logans Crossing.
10-year cumulative cost projection
| Year | Black Creek cumulative | Logans Crossing cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,670 | $23,770 | $1,100 |
| Year 3 | $70,071 | $73,471 | $3,400 |
| Year 5 | $120,358 | $126,198 | $5,840 |
| Year 10 | $259,886 | $272,496 | $12,610 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Black Creek or Logans Crossing cheaper to live in?
Black Creek is cheaper to run by car at $22,670 per year versus $23,770 for Logans Crossing, a difference of $1,100 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Black Creek and Logans Crossing?
Annual council rates for a house are $1,370 in Black Creek (Port Macquarie-Hastings rates (OLG) and $1,370 in Logans Crossing (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Black Creek and $1,300 in Logans Crossing. 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 Black Creek and Logans Crossing?
Annual driving commute costs are $17,600 from Black Creek and $17,600 from Logans Crossing to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Black Creek and $2,400 from Logans Crossing.
What is the 10-year cost difference between Black Creek and Logans Crossing?
At 3% annual cost growth, Black Creek costs a cumulative $259,886 and Logans Crossing costs $272,496 over 10 years by car. The cumulative difference is $12,610 in favour of Black Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Black Creek and Logans Crossing 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.