Ellenborough vs Toms 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
Ellenborough and Toms Creek are both Port Macquarie-Hastings rates (OLG suburbs, sitting 284.1 km and 280 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.
Ellenborough
Toms Creek
Annual cost breakdown
| Category | Ellenborough | Toms Creek | Difference |
|---|---|---|---|
| Council rates | $1,370 | $1,370 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,000 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,270 | $22,270 | - |
| Total (public transport) | $7,070 | $7,070 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Ellenborough | Toms Creek | 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 — Ellenborough vs Toms Creek (2026-27)
What the numbers show
Ellenborough and Toms 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, $7,070 and $7,070 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Ellenborough cumulative | Toms Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,270 | $22,270 | $0 |
| Year 3 | $68,834 | $68,834 | $0 |
| Year 5 | $118,234 | $118,234 | $0 |
| Year 10 | $255,301 | $255,301 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ellenborough or Toms Creek cheaper to live in?
Ellenborough is cheaper to run by car at $22,270 per year versus $22,270 for Toms 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 Ellenborough and Toms Creek?
Annual council rates for a house are $1,370 in Ellenborough (Port Macquarie-Hastings rates (OLG) and $1,370 in Toms Creek (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Ellenborough and $1,300 in Toms 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 Ellenborough and Toms Creek?
Annual driving commute costs are $17,600 from Ellenborough and $17,600 from Toms Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Ellenborough and $2,400 from Toms Creek.
What is the 10-year cost difference between Ellenborough and Toms Creek?
At 3% annual cost growth, Ellenborough costs a cumulative $255,301 and Toms Creek costs $255,301 over 10 years by car. The cumulative difference is $0 in favour of Ellenborough. Excludes purchase price, mortgage, and personal expenses.
Which of Ellenborough and Toms 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.