Hopkins Creek vs Zara: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hopkins Creek and Zara are both Tweed rates (OLG suburbs, 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.
Hopkins Creek
Zara
Annual cost breakdown
| Category | Hopkins Creek | Zara | Difference |
|---|---|---|---|
| Council rates | $1,799 | $1,799 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,400 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,699 | $23,699 | - |
| Total (public transport) | $7,899 | $7,899 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Hopkins Creek | Zara | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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 — Hopkins Creek vs Zara (2026-27)
What the numbers show
Hopkins Creek and Zara 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, $7,899 and $7,899 a year, so the $0 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,799 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,400 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. On these four costs they are identical.
10-year cumulative cost projection
| Year | Hopkins Creek cumulative | Zara cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,699 | $23,699 | $0 |
| Year 3 | $73,251 | $73,251 | $0 |
| Year 5 | $125,821 | $125,821 | $0 |
| Year 10 | $271,682 | $271,682 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hopkins Creek or Zara cheaper to live in?
Hopkins Creek is cheaper to run by car at $23,699 per year versus $23,699 for Zara, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hopkins Creek and Zara?
Annual council rates for a house are $1,799 in Hopkins Creek (Tweed rates (OLG) and $1,799 in Zara (Tweed rates (OLG). Water and sewerage adds $1,300 in Hopkins Creek and $1,300 in Zara. 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 Hopkins Creek and Zara?
Hopkins Creek 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. Zara 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. Public transport costs $2,400 from Hopkins Creek and $2,400 from Zara.
What is the 10-year cost difference between Hopkins Creek and Zara?
At 3% annual cost growth, Hopkins Creek costs a cumulative $271,682 and Zara costs $271,682 over 10 years by car. The cumulative difference is $0 in favour of Hopkins Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Hopkins Creek and Zara 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.
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Sources: Tweed rates (OLG and Tweed rates (OLG 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.