Clothiers Creek vs Farrants Hill: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Clothiers Creek and Farrants Hill are both Tweed rates (OLG suburbs, sitting 652.8 km and 654.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Farrants Hill runs $700 a year cheaper than Clothiers Creek, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,025.
Over 10 years, Farrants Hill costs about $8,000 less to run than Clothiers Creek — the same as paying $8,000 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 →Clothiers Creek
Farrants Hill
Annual cost breakdown
| Category | Clothiers Creek | Farrants Hill | Difference |
|---|---|---|---|
| Council rates | $1,799 | $1,799 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $2,400 | +$700 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,799 | $23,099 | +$700 |
| Total (public transport) | $8,599 | $7,899 | +$700 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clothiers Creek | Farrants Hill | Difference |
|---|---|---|---|
| House | $2,098 | $2,098 | - |
| Unit | $1,679 | $1,679 | - |
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 — Clothiers Creek vs Farrants Hill (2026-27)
What the numbers show
Farrants Hill costs $700 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $8,025 in favour of Farrants Hill.
The biggest single gap is home insurance at $700 per year. Clothiers Creek carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $700 per year, $8,599 from Clothiers Creek versus $7,899 from Farrants Hill.
10-year cumulative cost projection
| Year | Clothiers Creek cumulative | Farrants Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,799 | $23,099 | $700 |
| Year 3 | $73,560 | $71,397 | $2,163 |
| Year 5 | $126,352 | $122,636 | $3,716 |
| Year 10 | $272,829 | $264,804 | $8,025 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clothiers Creek or Farrants Hill cheaper to live in?
Farrants Hill is cheaper to run by car at $23,099 per year versus $23,799 for Clothiers Creek, a difference of $700 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clothiers Creek and Farrants Hill?
Annual council rates for a house are $1,799 in Clothiers Creek (Tweed rates (OLG) and $1,799 in Farrants Hill (Tweed rates (OLG). Water and sewerage adds $1,300 in Clothiers Creek and $1,300 in Farrants Hill. 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 Clothiers Creek and Farrants Hill?
Annual driving commute costs are $17,600 from Clothiers Creek and $17,600 from Farrants Hill to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Clothiers Creek and $2,400 from Farrants Hill.
What is the 10-year cost difference between Clothiers Creek and Farrants Hill?
At 3% annual cost growth, Clothiers Creek costs a cumulative $272,829 and Farrants Hill costs $264,804 over 10 years by car. The cumulative difference is $8,025 in favour of Farrants Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Clothiers Creek and Farrants Hill 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: Tweed rates (OLG and Tweed 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.