Darawank vs Hallidays Point: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Darawank and Hallidays Point are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Hallidays Point runs $400 a year cheaper than Darawank, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,586.
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 →Darawank
Hallidays Point
Annual cost breakdown
| Category | Darawank | Hallidays Point | Difference |
|---|---|---|---|
| Council rates | $1,609 | $1,609 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $3,100 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $24,609 | $24,209 | +$400 |
| Total (public transport) | $8,809 | $8,409 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Darawank | Hallidays Point | 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 — Darawank vs Hallidays Point (2026-27)
What the numbers show
Hallidays Point costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,586 in favour of Hallidays Point.
The biggest single gap is home insurance at $400 per year. Darawank carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $400 per year, $8,809 from Darawank versus $8,409 from Hallidays Point.
Where the difference actually comes from
- Council rates is identical at $1,609 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Hallidays Point by $400 a year, $3,100 against $3,500.
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.
Fire risk is rated high in Darawank against medium in Hallidays Point, which feeds the insurance estimate. The catchment state school scores 6.5 in Hallidays Point against 4.3 in Darawank, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Darawank cumulative | Hallidays Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,609 | $24,209 | $400 |
| Year 3 | $76,064 | $74,828 | $1,236 |
| Year 5 | $130,653 | $128,529 | $2,124 |
| Year 10 | $282,115 | $277,529 | $4,586 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Darawank or Hallidays Point cheaper to live in?
Hallidays Point is cheaper to run by car at $24,209 per year versus $24,609 for Darawank, a difference of $400 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Darawank and Hallidays Point?
Annual council rates for a house are $1,609 in Darawank (Mid-Coast rates (OLG) and $1,609 in Hallidays Point (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Darawank and $1,300 in Hallidays Point. 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 Darawank and Hallidays Point?
Darawank 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. Hallidays Point 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 Darawank and $2,400 from Hallidays Point.
What is the 10-year cost difference between Darawank and Hallidays Point?
At 3% annual cost growth, Darawank costs a cumulative $282,115 and Hallidays Point costs $277,529 over 10 years by car. The cumulative difference is $4,586 in favour of Hallidays Point. Excludes purchase price, mortgage, and personal expenses.
Which of Darawank and Hallidays Point 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: Mid-Coast rates (OLG and Mid-Coast 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.