Lake Tinaroo vs Tinaroo, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Lake Tinaroo and Tinaroo are both Tablelands Regional Council suburbs, sitting 36.8 km and 36.2 km from Cairns CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $19 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.
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Tinaroo
Annual cost breakdown
| Category | Lake Tinaroo | Tinaroo | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,189 | $1,189 | - |
| Water & sewerage Estimated stand-in | $1,765 | $1,765 | - |
| Commute (driving) Modelled, 2026-27 | $6,944 | $6,925 | +$19 |
| Commute (public transport) Modelled, 2026-27 | $6,944 | $6,925 | +$19 |
| Home insurance Estimated | $2,450 | $2,450 | - |
| Body corporate (unit) Estimated | $1,500 | $1,400 | +$100 |
| Total (driving) | $12,348 | $12,329 | +$19 |
| Total (public transport) | $12,348 | $12,329 | +$19 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Lake Tinaroo's water charge is Cairns Regional Council Water & Sewerage's, standing in until its own council's schedule is loaded. Tinaroo's water charge is Cairns Regional Council Water & Sewerage's, standing in until its own council's schedule is loaded. Council rates: minimum residential general rate (QLD).
| Dwelling | Lake Tinaroo | Tinaroo | Difference |
|---|---|---|---|
| House | $2,373 | $2,373 | - |
| Unit | $1,945 | $1,945 | - |
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, Lake Tinaroo vs Tinaroo (2026-27)
What the numbers show
Lake Tinaroo and Tinaroo cost within $19 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $218, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $19 per year. Lake Tinaroo is 36.8 km from Cairns CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $12,348 and $12,329 a year, so the $19 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,189 a year.
- Water and sewerage is identical at $1,765 a year.
- Driving commute favours Tinaroo by $19 a year, $6,925 against $6,944.
- Building insurance is identical at $2,450 a year.
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.
10-year cumulative cost projection
| Year | Lake Tinaroo cumulative | Tinaroo cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,348 | $12,329 | $19 |
| Year 3 | $38,166 | $38,108 | $58 |
| Year 5 | $65,557 | $65,456 | $101 |
| Year 10 | $141,556 | $141,338 | $218 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lake Tinaroo or Tinaroo cheaper to live in?
Tinaroo is cheaper to run by car at $12,329 per year versus $12,348 for Lake Tinaroo, a difference of $19 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lake Tinaroo and Tinaroo?
Annual council rates for a house are $1,189 in Lake Tinaroo (Tablelands Regional Council) and $1,189 in Tinaroo (Tablelands Regional Council). Water and sewerage adds $1,765 in Lake Tinaroo and $1,765 in Tinaroo. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Lake Tinaroo and Tinaroo?
Annual driving commute costs are $6,944 from Lake Tinaroo and $6,925 from Tinaroo to Cairns 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 Lake Tinaroo and Tinaroo?
At 3% annual cost growth, Lake Tinaroo costs a cumulative $141,556 and Tinaroo costs $141,338 over 10 years by car. The cumulative difference is $218 in favour of Tinaroo. Excludes purchase price, mortgage, and personal expenses.
Which of Lake Tinaroo and Tinaroo 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.
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Sources: Tablelands Regional Council and Tablelands Regional Council 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.