Clunes vs Eureka: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Clunes (Lismore rates (OLG) and Eureka (Byron rates (OLG) attract comparison from buyers considering suburbs across different council areas.
Eureka runs $335 a year cheaper than Clunes, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,841.
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 →Clunes
Eureka
Annual cost breakdown
| Category | Clunes | Eureka | Difference |
|---|---|---|---|
| Council rates | $1,534 | $1,649 | -$115 |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,450 | $2,000 | +$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,484 | $23,149 | +$335 |
| Total (public transport) | $7,684 | $7,349 | +$335 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Clunes | Eureka | 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 — Clunes vs Eureka (2026-27)
What the numbers show
Eureka costs $335 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,841 in favour of Eureka.
The biggest single gap is home insurance at $450 per year. Clunes carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $335 per year, $7,684 from Clunes versus $7,349 from Eureka.
Where the difference actually comes from
- Council rates favours Clunes by $115 a year, $1,534 against $1,649.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Eureka by $450 a year, $2,000 against $2,450.
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.
Flood risk is rated medium in Clunes against low in Eureka, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Clunes cumulative | Eureka cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,484 | $23,149 | $335 |
| Year 3 | $72,587 | $71,551 | $1,036 |
| Year 5 | $124,680 | $122,901 | $1,779 |
| Year 10 | $269,218 | $265,377 | $3,841 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Clunes or Eureka cheaper to live in?
Eureka is cheaper to run by car at $23,149 per year versus $23,484 for Clunes, a difference of $335 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Clunes and Eureka?
Annual council rates for a house are $1,534 in Clunes (Lismore rates (OLG) and $1,649 in Eureka (Byron rates (OLG). Water and sewerage adds $1,300 in Clunes and $1,300 in Eureka. 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 Clunes and Eureka?
Clunes 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. Eureka 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 Clunes and $2,400 from Eureka.
What is the 10-year cost difference between Clunes and Eureka?
At 3% annual cost growth, Clunes costs a cumulative $269,218 and Eureka costs $265,377 over 10 years by car. The cumulative difference is $3,841 in favour of Eureka. Excludes purchase price, mortgage, and personal expenses.
Which of Clunes and Eureka 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: Lismore rates (OLG and Byron 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.