Cairncross vs Pembrooke: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Cairncross and Pembrooke are both Port Macquarie-Hastings rates (OLG suburbs, sitting 313.1 km and 312.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Cairncross runs $450 a year cheaper than Pembrooke, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
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 →Cairncross
Pembrooke
Annual cost breakdown
| Category | Cairncross | Pembrooke | 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 | $2,850 | -$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,670 | $23,120 | -$450 |
| Total (public transport) | $7,470 | $7,920 | -$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Cairncross | Pembrooke | 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 — Cairncross vs Pembrooke (2026-27)
What the numbers show
Cairncross costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,159 in favour of Cairncross.
The biggest single gap is home insurance at $450 per year. Pembrooke carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,470 from Cairncross versus $7,920 from Pembrooke.
10-year cumulative cost projection
| Year | Cairncross cumulative | Pembrooke cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,670 | $23,120 | $450 |
| Year 3 | $70,071 | $71,462 | $1,391 |
| Year 5 | $120,358 | $122,747 | $2,389 |
| Year 10 | $259,886 | $265,045 | $5,159 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cairncross or Pembrooke cheaper to live in?
Cairncross is cheaper to run by car at $22,670 per year versus $23,120 for Pembrooke, a difference of $450 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cairncross and Pembrooke?
Annual council rates for a house are $1,370 in Cairncross (Port Macquarie-Hastings rates (OLG) and $1,370 in Pembrooke (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Cairncross and $1,300 in Pembrooke. 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 Cairncross and Pembrooke?
Annual driving commute costs are $17,600 from Cairncross and $17,600 from Pembrooke to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Cairncross and $2,400 from Pembrooke.
What is the 10-year cost difference between Cairncross and Pembrooke?
At 3% annual cost growth, Cairncross costs a cumulative $259,886 and Pembrooke costs $265,045 over 10 years by car. The cumulative difference is $5,159 in favour of Cairncross. Excludes purchase price, mortgage, and personal expenses.
Which of Cairncross and Pembrooke 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.