Crosslands vs Redbank, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Crosslands and Redbank are both Port Macquarie-Hastings rates (OLG suburbs, sitting 18 km and 15.8 km from Port Macquarie CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Redbank runs $444 a year cheaper than Crosslands, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $5,090.
Over 10 years, Redbank costs about $5,100 less to run than Crosslands. That's about $10 a week.
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Redbank
Annual cost breakdown
| Category | Crosslands | Redbank | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,370 | $1,370 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $4,875 | $4,431 | +$444 |
| Commute (public transport) Modelled, 2026-27 | $4,875 | $4,431 | +$444 |
| Home insurance Estimated | $2,750 | $2,750 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $10,295 | $9,851 | +$444 |
| Total (public transport) | $10,295 | $9,851 | +$444 |
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 | Crosslands | Redbank | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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, Crosslands vs Redbank (2026-27)
What the numbers show
Redbank costs $444 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,090 in favour of Redbank.
The biggest single gap is commute costs at $444 per year. Crosslands is 18 km from Port Macquarie CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $444 per year, $10,295 from Crosslands versus $9,851 from Redbank.
Where the difference actually comes from
- Council rates is identical at $1,370 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Redbank by $444 a year, $4,431 against $4,875.
- Building insurance is identical at $2,750 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 | Crosslands cumulative | Redbank cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,295 | $9,851 | $444 |
| Year 3 | $31,821 | $30,448 | $1,373 |
| Year 5 | $54,658 | $52,300 | $2,358 |
| Year 10 | $118,021 | $112,931 | $5,090 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Crosslands or Redbank cheaper to live in?
Redbank is cheaper to run by car at $9,851 per year versus $10,295 for Crosslands, a difference of $444 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Crosslands and Redbank?
Annual council rates for a house are $1,370 in Crosslands (Port Macquarie-Hastings rates (OLG) and $1,370 in Redbank (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Crosslands and $1,300 in Redbank. 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 Crosslands and Redbank?
Annual driving commute costs are $4,875 from Crosslands and $4,431 from Redbank to Port Macquarie CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Crosslands and Redbank?
At 3% annual cost growth, Crosslands costs a cumulative $118,021 and Redbank costs $112,931 over 10 years by car. The cumulative difference is $5,090 in favour of Redbank. Excludes purchase price, mortgage, and personal expenses.
Which of Crosslands and Redbank suits you better?
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Sources: Port Macquarie-Hastings rates (OLG and Port Macquarie-Hastings 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.