Hyland Park vs Nambucca Heads, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Hyland Park and Nambucca Heads are both Nambucca Valley rates (OLG suburbs, sitting 36.7 km and 39.3 km from Coffs Harbour CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hyland Park runs $346 a year cheaper than Nambucca Heads, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,967.
Over 10 years the gap between these two is about $4,000, about $8 a week, and most of it is the AI-estimated insurance line.
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 →Hyland Park
Nambucca Heads
Annual cost breakdown
| Category | Hyland Park | Nambucca Heads | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,175 | $1,175 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,941 | $6,987 | -$46 |
| Commute (public transport) Modelled, 2026-27 | $6,941 | $6,987 | -$46 |
| Home insurance Estimated | $2,350 | $2,650 | -$300 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $11,766 | $12,112 | -$346 |
| Total (public transport) | $11,766 | $12,112 | -$346 |
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 | Hyland Park | Nambucca Heads | 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, Hyland Park vs Nambucca Heads (2026-27)
What the numbers show
Hyland Park and Nambucca Heads differ by $346 a year by car, but $300 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 $46, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $300 per year. Nambucca Heads carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $346 per year, $11,766 from Hyland Park versus $12,112 from Nambucca Heads.
Where the difference actually comes from
- Council rates is identical at $1,175 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Hyland Park by $46 a year, $6,941 against $6,987.
- Building insurance favours Hyland Park by $300 a year, $2,350 against $2,650.
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.
Fire risk is rated high in Nambucca Heads against medium in Hyland Park, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Hyland Park cumulative | Nambucca Heads cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,766 | $12,112 | $346 |
| Year 3 | $36,368 | $37,437 | $1,069 |
| Year 5 | $62,467 | $64,304 | $1,837 |
| Year 10 | $134,884 | $138,851 | $3,967 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hyland Park or Nambucca Heads cheaper to live in?
Neither is named cheaper. Hyland Park runs $11,766 a year by car and Nambucca Heads $12,112, but most of the $346 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $46. Source: SuburbCost 2026 data.
What are council rates in Hyland Park and Nambucca Heads?
Annual council rates for a house are $1,175 in Hyland Park (Nambucca Valley rates (OLG) and $1,175 in Nambucca Heads (Nambucca Valley rates (OLG). Water and sewerage adds $1,300 in Hyland Park and $1,300 in Nambucca Heads. 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 Hyland Park and Nambucca Heads?
Annual driving commute costs are $6,941 from Hyland Park and $6,987 from Nambucca Heads to Coffs Harbour 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 Hyland Park and Nambucca Heads?
At 3% annual cost growth, Hyland Park costs a cumulative $134,884 and Nambucca Heads costs $138,851 over 10 years by car. The cumulative difference is $3,967 in favour of Hyland Park. Excludes purchase price, mortgage, and personal expenses.
Which of Hyland Park and Nambucca Heads suits you better?
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: Nambucca Valley rates (OLG and Nambucca Valley 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.