Kyarran vs Warragai Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Kyarran and Warragai Creek are both Clarence Valley rates (OLG suburbs, sitting 503.9 km and 506.7 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Warragai Creek runs $450 a year cheaper than Kyarran, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,159.
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
Warragai Creek
Annual cost breakdown
| Category | Kyarran | Warragai Creek | Difference |
|---|---|---|---|
| Council rates | $1,439 | $1,439 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,850 | $2,400 | +$450 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,189 | $22,739 | +$450 |
| Total (public transport) | $7,989 | $7,539 | +$450 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Kyarran | Warragai Creek | 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 — Kyarran vs Warragai Creek (2026-27)
What the numbers show
Warragai Creek costs $450 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,159 in favour of Warragai Creek.
The biggest single gap is home insurance at $450 per year. Kyarran carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $450 per year, $7,989 from Kyarran versus $7,539 from Warragai Creek.
10-year cumulative cost projection
| Year | Kyarran cumulative | Warragai Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,189 | $22,739 | $450 |
| Year 3 | $71,675 | $70,284 | $1,391 |
| Year 5 | $123,114 | $120,724 | $2,390 |
| Year 10 | $265,836 | $260,677 | $5,159 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kyarran or Warragai Creek cheaper to live in?
Warragai Creek is cheaper to run by car at $22,739 per year versus $23,189 for Kyarran, a difference of $450 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kyarran and Warragai Creek?
Annual council rates for a house are $1,439 in Kyarran (Clarence Valley rates (OLG) and $1,439 in Warragai Creek (Clarence Valley rates (OLG). Water and sewerage adds $1,300 in Kyarran and $1,300 in Warragai Creek. 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 Warragai Creek?
Annual driving commute costs are $17,600 from Kyarran and $17,600 from Warragai Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Kyarran and $2,400 from Warragai Creek.
What is the 10-year cost difference between Kyarran and Warragai Creek?
At 3% annual cost growth, Kyarran costs a cumulative $265,836 and Warragai Creek costs $260,677 over 10 years by car. The cumulative difference is $5,159 in favour of Warragai Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Kyarran and Warragai Creek 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.