Kyarran vs Southgate: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Kyarran and Southgate are both Clarence Valley rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $250 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.
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 →Kyarran
Southgate
Annual cost breakdown
| Category | Kyarran | Southgate | Difference |
|---|---|---|---|
| Council rates | $1,439 | $1,439 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $18,200 | $18,200 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $3,100 | -$250 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,789 | $24,039 | -$250 |
| Total (public transport) | $7,989 | $8,239 | -$250 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kyarran | Southgate | 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 — Kyarran vs Southgate (2026-27)
What the numbers show
Kyarran and Southgate cost within $250 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,866, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $250 per year. Southgate carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $250 per year, $7,989 from Kyarran versus $8,239 from Southgate.
Where the difference actually comes from
- Council rates is identical at $1,439 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Kyarran by $250 a year, $2,850 against $3,100.
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 Southgate against medium in Kyarran, which feeds the insurance estimate. Fire risk is rated high in Kyarran against medium in Southgate, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Kyarran cumulative | Southgate cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,789 | $24,039 | $250 |
| Year 3 | $73,529 | $74,302 | $773 |
| Year 5 | $126,299 | $127,626 | $1,327 |
| Year 10 | $272,714 | $275,580 | $2,866 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kyarran or Southgate cheaper to live in?
Kyarran is cheaper to run by car at $23,789 per year versus $24,039 for Southgate, a difference of $250 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kyarran and Southgate?
Annual council rates for a house are $1,439 in Kyarran (Clarence Valley rates (OLG) and $1,439 in Southgate (Clarence Valley rates (OLG). Water and sewerage adds $1,300 in Kyarran and $1,300 in Southgate. 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 Kyarran and Southgate?
Kyarran 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. Southgate 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 Kyarran and $2,400 from Southgate.
What is the 10-year cost difference between Kyarran and Southgate?
At 3% annual cost growth, Kyarran costs a cumulative $272,714 and Southgate costs $275,580 over 10 years by car. The cumulative difference is $2,866 in favour of Kyarran. Excludes purchase price, mortgage, and personal expenses.
Which of Kyarran and Southgate 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: Clarence Valley rates (OLG and Clarence Valley 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.