Boorganna vs Kippaxs: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Boorganna (Port Macquarie-Hastings rates (OLG) and Kippaxs (Mid-Coast rates (OLG) attract comparison from buyers considering suburbs across different council areas.
The two sit within $239 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
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 →Boorganna
Kippaxs
Annual cost breakdown
| Category | Boorganna | Kippaxs | Difference |
|---|---|---|---|
| Council rates | $1,370 | $1,609 | -$239 |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,270 | $23,509 | -$239 |
| Total (public transport) | $7,470 | $7,709 | -$239 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Boorganna | Kippaxs | 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 — Boorganna vs Kippaxs (2026-27)
What the numbers show
Boorganna and Kippaxs cost within $239 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,740, making running cost a minor factor in the decision.
The biggest single gap is council rates at $239 per year.
On public transport the gap is $239 per year, $7,470 from Boorganna versus $7,709 from Kippaxs.
Where the difference actually comes from
- Council rates favours Boorganna by $239 a year, $1,370 against $1,609.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,400 a year.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
10-year cumulative cost projection
| Year | Boorganna cumulative | Kippaxs cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,270 | $23,509 | $239 |
| Year 3 | $71,925 | $72,664 | $739 |
| Year 5 | $123,544 | $124,812 | $1,268 |
| Year 10 | $266,764 | $269,504 | $2,740 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Boorganna or Kippaxs cheaper to live in?
Boorganna is cheaper to run by car at $23,270 per year versus $23,509 for Kippaxs, a difference of $239 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Boorganna and Kippaxs?
Annual council rates for a house are $1,370 in Boorganna (Port Macquarie-Hastings rates (OLG) and $1,609 in Kippaxs (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Boorganna and $1,300 in Kippaxs. 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 Boorganna and Kippaxs?
Boorganna carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Kippaxs carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Public transport costs $2,400 from Boorganna and $2,400 from Kippaxs.
What is the 10-year cost difference between Boorganna and Kippaxs?
At 3% annual cost growth, Boorganna costs a cumulative $266,764 and Kippaxs costs $269,504 over 10 years by car. The cumulative difference is $2,740 in favour of Boorganna. Excludes purchase price, mortgage, and personal expenses.
Which of Boorganna and Kippaxs 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 Mid-Coast 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.