Gidley vs Hallsville, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Gidley and Hallsville are both Tamworth Regional rates (OLG suburbs, sitting 12.5 km and 11.3 km from Tamworth CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $295 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, Hallsville costs about $3,400 less to run than Gidley. That's about $7 a week.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan →Gidley
Hallsville
Annual cost breakdown
| Category | Gidley | Hallsville | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,442 | $1,442 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $3,686 | $3,391 | +$295 |
| Commute (public transport) Modelled, 2026-27 | $3,686 | $3,391 | +$295 |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $8,278 | $7,983 | +$295 |
| Total (public transport) | $8,278 | $7,983 | +$295 |
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 | Gidley | Hallsville | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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, Gidley vs Hallsville (2026-27)
What the numbers show
Gidley and Hallsville cost within $295 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,382, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $295 per year. Gidley is 12.5 km from Tamworth CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $295 per year, $8,278 from Gidley versus $7,983 from Hallsville.
Where the difference actually comes from
- Council rates is identical at $1,442 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Hallsville by $295 a year, $3,391 against $3,686.
- Building insurance is identical at $1,850 a year.
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.
10-year cumulative cost projection
| Year | Gidley cumulative | Hallsville cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,278 | $7,983 | $295 |
| Year 3 | $25,586 | $24,675 | $911 |
| Year 5 | $43,949 | $42,383 | $1,566 |
| Year 10 | $94,898 | $91,516 | $3,382 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Gidley or Hallsville cheaper to live in?
Hallsville is cheaper to run by car at $7,983 per year versus $8,278 for Gidley, a difference of $295 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Gidley and Hallsville?
Annual council rates for a house are $1,442 in Gidley (Tamworth Regional rates (OLG) and $1,442 in Hallsville (Tamworth Regional rates (OLG). Water and sewerage adds $1,300 in Gidley and $1,300 in Hallsville. 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 Gidley and Hallsville?
Annual driving commute costs are $3,686 from Gidley and $3,391 from Hallsville to Tamworth 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 Gidley and Hallsville?
At 3% annual cost growth, Gidley costs a cumulative $94,898 and Hallsville costs $91,516 over 10 years by car. The cumulative difference is $3,382 in favour of Hallsville. Excludes purchase price, mortgage, and personal expenses.
Which of Gidley and Hallsville suits you better?
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Sources: Tamworth Regional rates (OLG and Tamworth Regional 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.