Coal Creek vs Murrumba: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Coal Creek and Murrumba are both Somerset Regional Council suburbs, sitting 6.7 km and 5.7 km from Esk CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $295 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 →Coal Creek
Murrumba
Annual cost breakdown
| Category | Coal Creek | Murrumba | Difference |
|---|---|---|---|
| Council rates | $1,284 | $1,284 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $2,145 | $1,850 | +$295 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,000 | $3,000 | - |
| Body corporate (unit) | $1,400 | $1,600 | -$200 |
| Total (driving) | $8,329 | $8,034 | +$295 |
| Total (public transport) | $6,376 | $6,376 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Coal Creek | Murrumba | Difference |
|---|---|---|---|
| House | $2,135 | $2,135 | - |
| Unit | $1,776 | $1,776 | - |
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 — Coal Creek vs Murrumba (2026-27)
What the numbers show
Coal Creek and Murrumba cost within $295 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,382, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $295 per year. Coal Creek is 6.7 km from Esk CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,376 and $6,376 a year, so the $295 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,284 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Murrumba by $295 a year, $1,850 against $2,145.
- Building insurance is identical at $3,000 a year.
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 commute distance.
10-year cumulative cost projection
| Year | Coal Creek cumulative | Murrumba cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,329 | $8,034 | $295 |
| Year 3 | $25,744 | $24,832 | $912 |
| Year 5 | $44,220 | $42,654 | $1,566 |
| Year 10 | $95,483 | $92,101 | $3,382 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Coal Creek or Murrumba cheaper to live in?
Murrumba is cheaper to run by car at $8,034 per year versus $8,329 for Coal Creek, a difference of $295 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Coal Creek and Murrumba?
Annual council rates for a house are $1,284 in Coal Creek (Somerset Regional Council) and $1,284 in Murrumba (Somerset Regional Council). Water and sewerage adds $1,900 in Coal Creek and $1,900 in Murrumba. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Coal Creek and Murrumba?
Annual driving commute costs are $2,145 from Coal Creek and $1,850 from Murrumba to Esk CBD (ATO 91c/km). Public transport costs $192 from Coal Creek and $192 from Murrumba.
What is the 10-year cost difference between Coal Creek and Murrumba?
At 3% annual cost growth, Coal Creek costs a cumulative $95,483 and Murrumba costs $92,101 over 10 years by car. The cumulative difference is $3,382 in favour of Murrumba. Excludes purchase price, mortgage, and personal expenses.
Which of Coal Creek and Murrumba 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.
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Sources: Somerset Regional Council and Somerset Regional Council 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.