Peak Hill vs Tomingley: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Peak Hill (Parkes rates (OLG) and Tomingley (Narromine rates (OLG) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (325.7 km and 327.2 km).
The two sit within $7 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 →Peak Hill
Tomingley
Annual cost breakdown
| Category | Peak Hill | Tomingley | Difference |
|---|---|---|---|
| Council rates | $1,182 | $889 | +$293 |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,800 | $3,100 | -$300 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $22,882 | $22,889 | -$7 |
| Total (public transport) | $7,682 | $7,689 | -$7 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Peak Hill | Tomingley | Difference |
|---|---|---|---|
| House | $2,453 | $2,453 | - |
| Unit | $1,944 | $1,944 | - |
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 — Peak Hill vs Tomingley (2026-27)
What the numbers show
Peak Hill and Tomingley cost within $7 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $81, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $300 per year. Tomingley carries high flood risk, which pushes estimated premiums higher.
On public transport the two suburbs cost almost the same, $7,682 and $7,689 a year, so the $7 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Peak Hill cumulative | Tomingley cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,882 | $22,889 | $7 |
| Year 3 | $70,726 | $70,748 | $22 |
| Year 5 | $121,484 | $121,521 | $37 |
| Year 10 | $262,316 | $262,397 | $81 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Peak Hill or Tomingley cheaper to live in?
Peak Hill is cheaper to run by car at $22,882 per year versus $22,889 for Tomingley, a difference of $7 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Peak Hill and Tomingley?
Annual council rates for a house are $1,182 in Peak Hill (Parkes rates (OLG) and $889 in Tomingley (Narromine rates (OLG). Water and sewerage adds $1,300 in Peak Hill and $1,300 in Tomingley. 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 Peak Hill and Tomingley?
Annual driving commute costs are $17,600 from Peak Hill and $17,600 from Tomingley to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Peak Hill and $2,400 from Tomingley.
What is the 10-year cost difference between Peak Hill and Tomingley?
At 3% annual cost growth, Peak Hill costs a cumulative $262,316 and Tomingley costs $262,397 over 10 years by car. The cumulative difference is $81 in favour of Peak Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Peak Hill and Tomingley 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: Parkes rates (OLG and Narromine 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.