Duckenfield vs Hinton: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Duckenfield (Maitland rates (OLG) and Hinton (Port Stephens rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (133.2 km and 134 km).
Hinton runs $555 a year cheaper than Duckenfield, driven mostly by council rates. Over 10 years at 3% growth that gap compounds to about $6,363.
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 →Duckenfield
Hinton
Annual cost breakdown
| Category | Duckenfield | Hinton | Difference |
|---|---|---|---|
| Council rates | $1,970 | $1,415 | +$555 |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $24,047 | $23,492 | +$555 |
| Total (public transport) | $8,847 | $8,292 | +$555 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Duckenfield | Hinton | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Duckenfield vs Hinton (2026-27)
What the numbers show
Hinton costs $555 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,363 in favour of Hinton.
The biggest single gap is council rates at $555 per year.
On public transport the gap is $555 per year, $8,847 from Duckenfield versus $8,292 from Hinton.
10-year cumulative cost projection
| Year | Duckenfield cumulative | Hinton cumulative | Difference |
|---|---|---|---|
| Year 1 | $24,047 | $23,492 | $555 |
| Year 3 | $74,327 | $72,611 | $1,716 |
| Year 5 | $127,669 | $124,722 | $2,947 |
| Year 10 | $275,672 | $269,309 | $6,363 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Duckenfield or Hinton cheaper to live in?
Hinton is cheaper to run by car at $23,492 per year versus $24,047 for Duckenfield, a difference of $555 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Duckenfield and Hinton?
Annual council rates for a house are $1,970 in Duckenfield (Maitland rates (OLG) and $1,415 in Hinton (Port Stephens rates (OLG). Water and sewerage adds $1,377 in Duckenfield and $1,377 in Hinton. 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 Duckenfield and Hinton?
Annual driving commute costs are $17,600 from Duckenfield and $17,600 from Hinton to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Duckenfield and $2,400 from Hinton.
What is the 10-year cost difference between Duckenfield and Hinton?
At 3% annual cost growth, Duckenfield costs a cumulative $275,672 and Hinton costs $269,309 over 10 years by car. The cumulative difference is $6,363 in favour of Hinton. Excludes purchase price, mortgage, and personal expenses.
Which of Duckenfield and Hinton 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: Maitland rates (OLG and Port Stephens 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.