Deauville vs North Brother, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Deauville and North Brother are both Port Macquarie-Hastings rates (OLG suburbs, sitting 28.8 km and 29.1 km from Port Macquarie CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
North Brother runs $571 a year cheaper than Deauville, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $6,546.
Over 10 years the gap between these two is about $6,500, about $13 a week, and most of it is the AI-estimated insurance line.
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North Brother
Annual cost breakdown
| Category | Deauville | North Brother | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,370 | $1,370 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,441 | $6,470 | -$29 |
| Commute (public transport) Modelled, 2026-27 | $6,441 | $6,470 | -$29 |
| Home insurance Estimated | $2,750 | $2,150 | +$600 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $11,861 | $11,290 | +$571 |
| Total (public transport) | $11,861 | $11,290 | +$571 |
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 | Deauville | North Brother | 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, Deauville vs North Brother (2026-27)
What the numbers show
Deauville and North Brother differ by $571 a year by car, but $600 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $29, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $600 per year. Deauville carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $571 per year, $11,861 from Deauville versus $11,290 from North Brother.
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 Deauville by $29 a year, $6,441 against $6,470.
- Building insurance favours North Brother by $600 a year, $2,150 against $2,750.
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 and the insurance band.
Flood risk is rated high in Deauville against low in North Brother, which feeds the insurance estimate. Fire risk is rated high in North Brother against medium in Deauville, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Deauville cumulative | North Brother cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,861 | $11,290 | $571 |
| Year 3 | $36,661 | $34,896 | $1,765 |
| Year 5 | $62,972 | $59,940 | $3,032 |
| Year 10 | $135,973 | $129,427 | $6,546 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Deauville or North Brother cheaper to live in?
Neither is named cheaper. Deauville runs $11,861 a year by car and North Brother $11,290, but most of the $571 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $29. Source: SuburbCost 2026 data.
What are council rates in Deauville and North Brother?
Annual council rates for a house are $1,370 in Deauville (Port Macquarie-Hastings rates (OLG) and $1,370 in North Brother (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Deauville and $1,300 in North Brother. 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 Deauville and North Brother?
Annual driving commute costs are $6,441 from Deauville and $6,470 from North Brother 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 Deauville and North Brother?
At 3% annual cost growth, Deauville costs a cumulative $135,973 and North Brother costs $129,427 over 10 years by car. The cumulative difference is $6,546 in favour of North Brother. Excludes purchase price, mortgage, and personal expenses.
Which of Deauville and North Brother 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.