Point Frederick vs Tascott: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Point Frederick and Tascott are both Central Coast rates (OLG suburbs, sitting 48.8 km and 47.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Point Frederick runs $370 a year cheaper than Tascott, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,242.
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 →Point Frederick
Tascott
Annual cost breakdown
| Category | Point Frederick | Tascott | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,431 | $6,501 | -$70 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,950 | $3,250 | -$300 |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $12,135 | $12,505 | -$370 |
| Total (public transport) | $8,104 | $8,404 | -$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Point Frederick | Tascott | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
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 — Point Frederick vs Tascott (2026-27)
What the numbers show
Point Frederick costs $370 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,242 in favour of Point Frederick.
The biggest single gap is home insurance at $300 per year. Tascott carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $8,104 from Point Frederick versus $8,404 from Tascott.
10-year cumulative cost projection
| Year | Point Frederick cumulative | Tascott cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,135 | $12,505 | $370 |
| Year 3 | $37,508 | $38,652 | $1,144 |
| Year 5 | $64,426 | $66,391 | $1,965 |
| Year 10 | $139,114 | $143,356 | $4,242 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Point Frederick or Tascott cheaper to live in?
Point Frederick is cheaper to run by car at $12,135 per year versus $12,505 for Tascott, a difference of $370 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Point Frederick and Tascott?
Annual council rates for a house are $1,454 in Point Frederick (Central Coast rates (OLG) and $1,454 in Tascott (Central Coast rates (OLG). Water and sewerage adds $1,300 in Point Frederick and $1,300 in Tascott. 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 Point Frederick and Tascott?
Annual driving commute costs are $6,431 from Point Frederick and $6,501 from Tascott to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Point Frederick and $2,400 from Tascott.
What is the 10-year cost difference between Point Frederick and Tascott?
At 3% annual cost growth, Point Frederick costs a cumulative $139,114 and Tascott costs $143,356 over 10 years by car. The cumulative difference is $4,242 in favour of Point Frederick. Excludes purchase price, mortgage, and personal expenses.
Which of Point Frederick and Tascott 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: Central Coast rates (OLG and Central Coast 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.