Mccarrs Creek vs Scotland Island: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Mccarrs Creek and Scotland Island are both Northern Beaches rates (OLG suburbs, sitting 25.9 km and 26.6 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $84 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 →Mccarrs Creek
Scotland Island
Annual cost breakdown
| Category | Mccarrs Creek | Scotland Island | Difference |
|---|---|---|---|
| Council rates | $1,766 | $1,766 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $6,121 | $6,205 | -$84 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,550 | $2,550 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $11,985 | $12,069 | -$84 |
| Total (public transport) | $8,264 | $8,264 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Mccarrs Creek | Scotland Island | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
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 — Mccarrs Creek vs Scotland Island (2026-27)
What the numbers show
Mccarrs Creek and Scotland Island cost within $84 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $963, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $84 per year. Scotland Island is 26.6 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $8,264 and $8,264 a year, so the $84 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,766 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Mccarrs Creek by $84 a year, $6,121 against $6,205.
- Building insurance is identical at $2,550 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 | Mccarrs Creek cumulative | Scotland Island cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,985 | $12,069 | $84 |
| Year 3 | $37,044 | $37,304 | $260 |
| Year 5 | $63,630 | $64,076 | $446 |
| Year 10 | $137,395 | $138,358 | $963 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mccarrs Creek or Scotland Island cheaper to live in?
Mccarrs Creek is cheaper to run by car at $11,985 per year versus $12,069 for Scotland Island, a difference of $84 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mccarrs Creek and Scotland Island?
Annual council rates for a house are $1,766 in Mccarrs Creek (Northern Beaches rates (OLG) and $1,766 in Scotland Island (Northern Beaches rates (OLG). Water and sewerage adds $1,548 in Mccarrs Creek and $1,548 in Scotland Island. 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 Mccarrs Creek and Scotland Island?
Annual driving commute costs are $6,121 from Mccarrs Creek and $6,205 from Scotland Island to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Mccarrs Creek and $2,400 from Scotland Island.
What is the 10-year cost difference between Mccarrs Creek and Scotland Island?
At 3% annual cost growth, Mccarrs Creek costs a cumulative $137,395 and Scotland Island costs $138,358 over 10 years by car. The cumulative difference is $963 in favour of Mccarrs Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Mccarrs Creek and Scotland Island 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: Northern Beaches rates (OLG and Northern Beaches 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.