Commissioners Creek vs Rowlands Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Commissioners Creek and Rowlands Creek are both Tweed rates (OLG suburbs, sitting 629.4 km and 633.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
Commissioners Creek
Rowlands Creek
Annual cost breakdown
| Category | Commissioners Creek | Rowlands Creek | 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 | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,099 | $23,099 | - |
| Total (public transport) | $7,899 | $7,899 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Commissioners Creek | Rowlands Creek | 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 — Commissioners Creek vs Rowlands Creek (2026-27)
What the numbers show
Commissioners Creek and Rowlands Creek cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $7,899 and $7,899 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Commissioners Creek cumulative | Rowlands Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,099 | $23,099 | $0 |
| Year 3 | $71,397 | $71,397 | $0 |
| Year 5 | $122,636 | $122,636 | $0 |
| Year 10 | $264,804 | $264,804 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Commissioners Creek or Rowlands Creek cheaper to live in?
Commissioners Creek is cheaper to run by car at $23,099 per year versus $23,099 for Rowlands Creek, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Commissioners Creek and Rowlands Creek?
Annual council rates for a house are $1,799 in Commissioners Creek (Tweed rates (OLG) and $1,799 in Rowlands Creek (Tweed rates (OLG). Water and sewerage adds $1,300 in Commissioners Creek and $1,300 in Rowlands Creek. 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 Commissioners Creek and Rowlands Creek?
Annual driving commute costs are $17,600 from Commissioners Creek and $17,600 from Rowlands Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Commissioners Creek and $2,400 from Rowlands Creek.
What is the 10-year cost difference between Commissioners Creek and Rowlands Creek?
At 3% annual cost growth, Commissioners Creek costs a cumulative $264,804 and Rowlands Creek costs $264,804 over 10 years by car. The cumulative difference is $0 in favour of Commissioners Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Commissioners Creek and Rowlands Creek 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.