Clothiers Creek vs Farrants Hill, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Clothiers Creek and Farrants Hill are both Tweed rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Farrants Hill runs $550 a year cheaper than Clothiers Creek, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,305.
Over 10 years the gap between these two is about $6,300, about $12 a week, and most of it is the AI-estimated insurance line.
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Farrants Hill
Annual cost breakdown
| Category | Clothiers Creek | Farrants Hill | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,799 | $1,799 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,400 | $1,850 | +$550 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,699 | $23,149 | +$550 |
| Total (public transport) | $23,699 | $23,149 | +$550 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clothiers Creek | Farrants Hill | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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, Clothiers Creek vs Farrants Hill (2026-27)
What the numbers show
Clothiers Creek and Farrants Hill differ by $550 a year by car, but $550 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $550 per year. Clothiers Creek carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $550 per year, $23,699 from Clothiers Creek versus $23,149 from Farrants Hill.
Where the difference actually comes from
- Council rates is identical at $1,799 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Farrants Hill by $550 a year, $1,850 against $2,400.
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 the insurance band.
Flood risk is rated high in Clothiers Creek against low in Farrants Hill, which feeds the insurance estimate. Fire risk is rated high in Farrants Hill against medium in Clothiers Creek, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Clothiers Creek cumulative | Farrants Hill cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,699 | $23,149 | $550 |
| Year 3 | $73,251 | $71,551 | $1,700 |
| Year 5 | $125,821 | $122,901 | $2,920 |
| Year 10 | $271,682 | $265,377 | $6,305 |
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?
Neither is named cheaper. Clothiers Creek runs $23,699 a year by car and Farrants Hill $23,149, but most of the $550 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. 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?
Clothiers Creek 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. Farrants Hill 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. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Clothiers Creek and Farrants Hill?
At 3% annual cost growth, Clothiers Creek costs a cumulative $271,682 and Farrants Hill costs $265,377 over 10 years by car. The cumulative difference is $6,305 in favour of Farrants Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Clothiers Creek and Farrants Hill suits you better?
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Sources: Tweed rates (OLG and Tweed rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.