Hallidays Point vs Tallwoods Village, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hallidays Point and Tallwoods Village are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Tallwoods Village runs $850 a year cheaper than Hallidays Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,744.
Over 10 years the gap between these two is about $9,700, about $19 a week, and most of it is the AI-estimated insurance line.
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Tallwoods Village
Annual cost breakdown
| Category | Hallidays Point | Tallwoods Village | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,609 | $1,609 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $2,800 | $1,950 | +$850 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $23,909 | $23,059 | +$850 |
| Total (public transport) | $23,909 | $23,059 | +$850 |
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 | Hallidays Point | Tallwoods Village | Difference |
|---|---|---|---|
| House | $2,827 | $2,827 | - |
| Unit | $2,369 | $2,369 | - |
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, Hallidays Point vs Tallwoods Village (2026-27)
What the numbers show
Hallidays Point and Tallwoods Village differ by $850 a year by car, but $850 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $0, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $850 per year. Hallidays Point carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $850 per year, $23,909 from Hallidays Point versus $23,059 from Tallwoods Village.
Where the difference actually comes from
- Council rates is identical at $1,609 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Tallwoods Village by $850 a year, $1,950 against $2,800.
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 the insurance band.
Flood risk is rated high in Hallidays Point against medium in Tallwoods Village, which feeds the insurance estimate. Fire risk is rated medium in Hallidays Point against low in Tallwoods Village, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hallidays Point cumulative | Tallwoods Village cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,909 | $23,059 | $850 |
| Year 3 | $73,900 | $71,273 | $2,627 |
| Year 5 | $126,936 | $122,423 | $4,513 |
| Year 10 | $274,090 | $264,346 | $9,744 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hallidays Point or Tallwoods Village cheaper to live in?
Neither is named cheaper. Hallidays Point runs $23,909 a year by car and Tallwoods Village $23,059, but most of the $850 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $0. Source: SuburbCost 2026 data.
What are council rates in Hallidays Point and Tallwoods Village?
Annual council rates for a house are $1,609 in Hallidays Point (Mid-Coast rates (OLG) and $1,609 in Tallwoods Village (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Hallidays Point and $1,300 in Tallwoods Village. 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 Hallidays Point and Tallwoods Village?
Hallidays Point carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Tallwoods Village carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Hallidays Point and Tallwoods Village?
At 3% annual cost growth, Hallidays Point costs a cumulative $274,090 and Tallwoods Village costs $264,346 over 10 years by car. The cumulative difference is $9,744 in favour of Tallwoods Village. Excludes purchase price, mortgage, and personal expenses.
Which of Hallidays Point and Tallwoods Village suits you better?
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Sources: Mid-Coast rates (OLG and Mid-Coast 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.