Knorrit Flat vs Tiri: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Knorrit Flat and Tiri are both Mid-Coast rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
Tiri runs $400 a year cheaper than Knorrit Flat, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,585.
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 →Knorrit Flat
Tiri
Annual cost breakdown
| Category | Knorrit Flat | Tiri | Difference |
|---|---|---|---|
| Council rates | $1,609 | $1,609 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,400 | $2,000 | +$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,509 | $23,109 | +$400 |
| Total (public transport) | $7,709 | $7,309 | +$400 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Knorrit Flat | Tiri | 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 — Knorrit Flat vs Tiri (2026-27)
What the numbers show
Tiri costs $400 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,585 in favour of Tiri.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,709 from Knorrit Flat versus $7,309 from Tiri.
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 Tiri by $400 a year, $2,000 against $2,400.
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.
Fire risk is rated high in Knorrit Flat against medium in Tiri, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Knorrit Flat cumulative | Tiri cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,509 | $23,109 | $400 |
| Year 3 | $72,664 | $71,428 | $1,236 |
| Year 5 | $124,812 | $122,689 | $2,123 |
| Year 10 | $269,504 | $264,919 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Knorrit Flat or Tiri cheaper to live in?
Tiri is cheaper to run by car at $23,109 per year versus $23,509 for Knorrit Flat, a difference of $400 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Knorrit Flat and Tiri?
Annual council rates for a house are $1,609 in Knorrit Flat (Mid-Coast rates (OLG) and $1,609 in Tiri (Mid-Coast rates (OLG). Water and sewerage adds $1,300 in Knorrit Flat and $1,300 in Tiri. 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 Knorrit Flat and Tiri?
Knorrit Flat 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. Tiri 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 Knorrit Flat and $2,400 from Tiri.
What is the 10-year cost difference between Knorrit Flat and Tiri?
At 3% annual cost growth, Knorrit Flat costs a cumulative $269,504 and Tiri costs $264,919 over 10 years by car. The cumulative difference is $4,585 in favour of Tiri. Excludes purchase price, mortgage, and personal expenses.
Which of Knorrit Flat and Tiri 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: 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 AI insurance estimates. Data updated July 2026.