Roseberry Creek vs Upper Eden 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
Roseberry Creek and Upper Eden Creek are both Kyogle rates (OLG suburbs, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $0 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.
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Upper Eden Creek
Annual cost breakdown
| Category | Roseberry Creek | Upper Eden Creek | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,320 | $1,320 | - |
| 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 | $2,150 | $2,150 | - |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $22,970 | $22,970 | - |
| Total (public transport) | $22,970 | $22,970 | - |
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 | Roseberry Creek | Upper Eden Creek | Difference |
|---|---|---|---|
| House | $2,774 | $2,774 | - |
| Unit | $2,329 | $2,329 | - |
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, Roseberry Creek vs Upper Eden Creek (2026-27)
What the numbers show
Roseberry Creek and Upper Eden Creek cost within $0 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $0, making running cost a minor factor in the decision.
The biggest single gap is council rates at $0 per year.
On public transport the two suburbs cost almost the same, $22,970 and $22,970 a year, so the $0 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,320 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute is identical at $18,200 a year.
- Building insurance is identical at $2,150 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. On these four costs they are identical.
10-year cumulative cost projection
| Year | Roseberry Creek cumulative | Upper Eden Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $22,970 | $22,970 | $0 |
| Year 3 | $70,998 | $70,998 | $0 |
| Year 5 | $121,951 | $121,951 | $0 |
| Year 10 | $263,325 | $263,325 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Roseberry Creek or Upper Eden Creek cheaper to live in?
Roseberry Creek is cheaper to run by car at $22,970 per year versus $22,970 for Upper Eden Creek, a difference of $0 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Roseberry Creek and Upper Eden Creek?
Annual council rates for a house are $1,320 in Roseberry Creek (Kyogle rates (OLG) and $1,320 in Upper Eden Creek (Kyogle rates (OLG). Water and sewerage adds $1,300 in Roseberry Creek and $1,300 in Upper Eden 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 Roseberry Creek and Upper Eden Creek?
Roseberry Creek 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. Upper Eden Creek 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 Roseberry Creek and Upper Eden Creek?
At 3% annual cost growth, Roseberry Creek costs a cumulative $263,325 and Upper Eden Creek costs $263,325 over 10 years by car. The cumulative difference is $0 in favour of Roseberry Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Roseberry Creek and Upper Eden 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: Kyogle rates (OLG and Kyogle 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.