Logans Crossing vs Upsalls Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Logans Crossing and Upsalls Creek are both Port Macquarie-Hastings rates (OLG suburbs, sitting 28.3 km and 31.3 km from Port Macquarie CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Upsalls Creek runs $383 a year cheaper than Logans Crossing, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,391.
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 →Logans Crossing
Upsalls Creek
Annual cost breakdown
| Category | Logans Crossing | Upsalls Creek | Difference |
|---|---|---|---|
| Council rates | $1,370 | $1,370 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,391 | $6,658 | -$267 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,500 | $2,850 | +$650 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $12,561 | $12,178 | +$383 |
| Total (public transport) | $8,570 | $7,920 | +$650 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Logans Crossing | Upsalls Creek | 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 — Logans Crossing vs Upsalls Creek (2026-27)
What the numbers show
Upsalls Creek costs $383 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,391 in favour of Upsalls Creek.
The biggest single gap is home insurance at $650 per year. Logans Crossing carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $8,570 from Logans Crossing versus $7,920 from Upsalls Creek.
Where the difference actually comes from
- Council rates is identical at $1,370 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Logans Crossing by $267 a year, $6,391 against $6,658.
- Building insurance favours Upsalls Creek by $650 a year, $2,850 against $3,500.
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 and the insurance band.
Flood risk is rated high in Logans Crossing against medium in Upsalls Creek, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Logans Crossing cumulative | Upsalls Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,561 | $12,178 | $383 |
| Year 3 | $38,825 | $37,641 | $1,184 |
| Year 5 | $66,688 | $64,655 | $2,033 |
| Year 10 | $143,998 | $139,607 | $4,391 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Logans Crossing or Upsalls Creek cheaper to live in?
Upsalls Creek is cheaper to run by car at $12,178 per year versus $12,561 for Logans Crossing, a difference of $383 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Logans Crossing and Upsalls Creek?
Annual council rates for a house are $1,370 in Logans Crossing (Port Macquarie-Hastings rates (OLG) and $1,370 in Upsalls Creek (Port Macquarie-Hastings rates (OLG). Water and sewerage adds $1,300 in Logans Crossing and $1,300 in Upsalls 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 Logans Crossing and Upsalls Creek?
Annual driving commute costs are $6,391 from Logans Crossing and $6,658 from Upsalls Creek to Port Macquarie CBD (ATO 91c/km). Public transport costs $2,400 from Logans Crossing and $2,400 from Upsalls Creek.
What is the 10-year cost difference between Logans Crossing and Upsalls Creek?
At 3% annual cost growth, Logans Crossing costs a cumulative $143,998 and Upsalls Creek costs $139,607 over 10 years by car. The cumulative difference is $4,391 in favour of Upsalls Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Logans Crossing and Upsalls 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: Port Macquarie-Hastings rates (OLG and Port Macquarie-Hastings 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.