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.
The two sit within $283 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 the gap between these two is about $3,200, about $6 a week, and most of it is the AI-estimated insurance line.
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Upsalls Creek
Annual cost breakdown
| Category | Logans Crossing | Upsalls Creek | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,370 | $1,370 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $6,391 | $6,658 | -$267 |
| Commute (public transport) Modelled, 2026-27 | $6,391 | $6,658 | -$267 |
| Home insurance Estimated | $3,100 | $2,550 | +$550 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $12,161 | $11,878 | +$283 |
| Total (public transport) | $12,161 | $11,878 | +$283 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; 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
Logans Crossing and Upsalls Creek differ by $283 a year by car, but $550 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $267, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $550 per year. Logans Crossing carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $283 per year, $12,161 from Logans Crossing versus $11,878 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 $550 a year, $2,550 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 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 | $12,161 | $11,878 | $283 |
| Year 3 | $37,588 | $36,714 | $874 |
| Year 5 | $64,564 | $63,062 | $1,502 |
| Year 10 | $139,412 | $136,168 | $3,244 |
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?
Neither is named cheaper. Logans Crossing runs $12,161 a year by car and Upsalls Creek $11,878, but most of the $283 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $267. 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). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Logans Crossing and Upsalls Creek?
At 3% annual cost growth, Logans Crossing costs a cumulative $139,412 and Upsalls Creek costs $136,168 over 10 years by car. The cumulative difference is $3,244 in favour of Upsalls Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Logans Crossing and Upsalls Creek 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: 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 insurance estimates from ACCC premium rates. Data updated July 2026.