Finlayvale vs Mossman, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Finlayvale and Mossman are both Douglas Shire Council suburbs, sitting 68.5 km and 67.5 km from Cairns CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $46 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.
Over 10 years these two cost about the same to run.
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Mossman
Annual cost breakdown
| Category | Finlayvale | Mossman | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,400 | $1,400 | - |
| Water & sewerage Official, 2026-27 | $1,765 | $1,765 | - |
| Commute (driving) Modelled, 2026-27 | $3,440 | $3,686 | -$246 |
| Commute (public transport) Modelled, 2026-27 | $3,440 | $3,686 | -$246 |
| Home insurance Estimated | $3,700 | $3,500 | +$200 |
| Body corporate (unit) Estimated | $1,400 | $1,800 | -$400 |
| Total (driving) | $10,305 | $10,351 | -$46 |
| Total (public transport) | $10,305 | $10,351 | -$46 |
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: minimum residential general rate (QLD).
| Dwelling | Finlayvale | Mossman | Difference |
|---|---|---|---|
| House | $2,373 | $2,373 | - |
| Unit | $1,945 | $1,945 | - |
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, Finlayvale vs Mossman (2026-27)
What the numbers show
Finlayvale and Mossman cost within $46 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $528, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $246 per year. Finlayvale is 68.5 km from Cairns CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $10,305 and $10,351 a year, so the $46 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,400 a year.
- Water and sewerage is identical at $1,765 a year.
- Driving commute favours Finlayvale by $246 a year, $3,440 against $3,686.
- Building insurance favours Mossman by $200 a year, $3,500 against $3,700.
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.
10-year cumulative cost projection
| Year | Finlayvale cumulative | Mossman cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,305 | $10,351 | $46 |
| Year 3 | $31,852 | $31,994 | $142 |
| Year 5 | $54,711 | $54,955 | $244 |
| Year 10 | $118,135 | $118,663 | $528 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Finlayvale or Mossman cheaper to live in?
Finlayvale is cheaper to run by car at $10,305 per year versus $10,351 for Mossman, a difference of $46 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Finlayvale and Mossman?
Annual council rates for a house are $1,400 in Finlayvale (Douglas Shire Council) and $1,400 in Mossman (Douglas Shire Council). Water and sewerage adds $1,765 in Finlayvale and $1,765 in Mossman. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Finlayvale and Mossman?
Annual driving commute costs are $3,440 from Finlayvale and $3,686 from Mossman to Cairns 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 Finlayvale and Mossman?
At 3% annual cost growth, Finlayvale costs a cumulative $118,135 and Mossman costs $118,663 over 10 years by car. The cumulative difference is $528 in favour of Finlayvale. Excludes purchase price, mortgage, and personal expenses.
Which of Finlayvale and Mossman suits you better?
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Sources: Douglas Shire Council and Douglas Shire Council 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.