Finlayvale vs Mossman Gorge: 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 Gorge are both Douglas Shire Council suburbs, sitting 68.5 km and 67.1 km from Cairns CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $41 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. 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 →Finlayvale
Mossman Gorge
Annual cost breakdown
| Category | Finlayvale | Mossman Gorge | Difference |
|---|---|---|---|
| Council rates | $1,400 | $1,400 | - |
| Water & sewerage | $1,765 | $1,765 | - |
| Commute (driving) | $3,440 | $3,781 | -$341 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $7,200 | $6,900 | +$300 |
| Body corporate (unit) | $1,400 | $1,700 | -$300 |
| Total (driving) | $13,805 | $13,846 | -$41 |
| Total (public transport) | $10,557 | $10,257 | +$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Finlayvale | Mossman Gorge | 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 Gorge (2026-27)
What the numbers show
Finlayvale and Mossman Gorge cost within $41 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $470, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $341 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 gap is $300 per year, $10,557 from Finlayvale versus $10,257 from Mossman Gorge.
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 $341 a year, $3,440 against $3,781.
- Building insurance favours Mossman Gorge by $300 a year, $6,900 against $7,200.
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 Gorge cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,805 | $13,846 | $41 |
| Year 3 | $42,670 | $42,797 | $127 |
| Year 5 | $73,293 | $73,510 | $217 |
| Year 10 | $158,259 | $158,729 | $470 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Finlayvale or Mossman Gorge cheaper to live in?
Finlayvale is cheaper to run by car at $13,805 per year versus $13,846 for Mossman Gorge, a difference of $41 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 Gorge?
Annual council rates for a house are $1,400 in Finlayvale (Douglas Shire Council) and $1,400 in Mossman Gorge (Douglas Shire Council). Water and sewerage adds $1,765 in Finlayvale and $1,765 in Mossman Gorge. 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 Gorge?
Annual driving commute costs are $3,440 from Finlayvale and $3,781 from Mossman Gorge to Cairns CBD (ATO 91c/km). Public transport costs $192 from Finlayvale and $192 from Mossman Gorge.
What is the 10-year cost difference between Finlayvale and Mossman Gorge?
At 3% annual cost growth, Finlayvale costs a cumulative $158,259 and Mossman Gorge costs $158,729 over 10 years by car. The cumulative difference is $470 in favour of Finlayvale. Excludes purchase price, mortgage, and personal expenses.
Which of Finlayvale and Mossman Gorge 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: 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 AI insurance estimates. Data updated July 2026.