Peak Hill vs Tomingley, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/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.
The two sit within $207 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 $2,400, about $5 a week, and most of it is the AI-estimated insurance line.
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Tomingley
Annual cost breakdown
| Category | Peak Hill | Tomingley | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,182 | $889 | +$293 |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Commute (public transport) Modelled, 2026-27 | $18,200 | $18,200 | - |
| Home insurance Estimated | $1,850 | $2,350 | -$500 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,532 | $22,739 | -$207 |
| Total (public transport) | $22,532 | $22,739 | -$207 |
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 | Peak Hill | Tomingley | Difference |
|---|---|---|---|
| House | $3,150 | $3,150 | - |
| Unit | $2,611 | $2,611 | - |
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, Peak Hill vs Tomingley (2026-27)
What the numbers show
Peak Hill and Tomingley differ by $207 a year by car, but $500 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 $293, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $500 per year. Tomingley carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $207 per year, $22,532 from Peak Hill versus $22,739 from Tomingley.
Where the difference actually comes from
- Council rates favours Tomingley by $293 a year, $889 against $1,182.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance favours Peak Hill by $500 a year, $1,850 against $2,350.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Fire risk is rated medium in Tomingley against low in Peak Hill, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Peak Hill cumulative | Tomingley cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,532 | $22,739 | $207 |
| Year 3 | $69,644 | $70,284 | $640 |
| Year 5 | $119,625 | $120,724 | $1,099 |
| Year 10 | $258,304 | $260,677 | $2,373 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Peak Hill or Tomingley cheaper to live in?
Neither is named cheaper. Peak Hill runs $22,532 a year by car and Tomingley $22,739, but most of the $207 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $293. 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?
Peak Hill carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. Tomingley carries a flat regional driving allowance of $18,200, about 20,000 km of household driving a year, because it is more than 100 km from Sydney CBD. No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Peak Hill and Tomingley?
At 3% annual cost growth, Peak Hill costs a cumulative $258,304 and Tomingley costs $260,677 over 10 years by car. The cumulative difference is $2,373 in favour of Peak Hill. Excludes purchase price, mortgage, and personal expenses.
Which of Peak Hill and Tomingley suits you better?
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Sources: Parkes rates (OLG and Narromine 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.