Kunghur vs Terragon: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Kunghur and Terragon are both Tweed rates (OLG suburbs, sitting 631.4 km and 634.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Kunghur runs $400 a year cheaper than Terragon, 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 →Kunghur
Terragon
Annual cost breakdown
| Category | Kunghur | Terragon | Difference |
|---|---|---|---|
| Council rates | $1,799 | $1,799 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,000 | $2,400 | -$400 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,699 | $23,099 | -$400 |
| Total (public transport) | $7,499 | $7,899 | -$400 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kunghur | Terragon | Difference |
|---|---|---|---|
| House | $2,098 | $2,098 | - |
| Unit | $1,679 | $1,679 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Kunghur vs Terragon (2026-27)
What the numbers show
Kunghur 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 Kunghur.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $7,499 from Kunghur versus $7,899 from Terragon.
10-year cumulative cost projection
| Year | Kunghur cumulative | Terragon cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,699 | $23,099 | $400 |
| Year 3 | $70,160 | $71,397 | $1,237 |
| Year 5 | $120,512 | $122,636 | $2,124 |
| Year 10 | $260,219 | $264,804 | $4,585 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kunghur or Terragon cheaper to live in?
Kunghur is cheaper to run by car at $22,699 per year versus $23,099 for Terragon, a difference of $400 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kunghur and Terragon?
Annual council rates for a house are $1,799 in Kunghur (Tweed rates (OLG) and $1,799 in Terragon (Tweed rates (OLG). Water and sewerage adds $1,300 in Kunghur and $1,300 in Terragon. 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 Kunghur and Terragon?
Annual driving commute costs are $17,600 from Kunghur and $17,600 from Terragon to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Kunghur and $2,400 from Terragon.
What is the 10-year cost difference between Kunghur and Terragon?
At 3% annual cost growth, Kunghur costs a cumulative $260,219 and Terragon costs $264,804 over 10 years by car. The cumulative difference is $4,585 in favour of Kunghur. Excludes purchase price, mortgage, and personal expenses.
Which of Kunghur and Terragon 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.
Related comparisons
Sources: Tweed rates (OLG and Tweed rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.