Salt Ash vs Tilligerry Creek: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Salt Ash and Tilligerry Creek are both Port Stephens rates (OLG suburbs, sitting 138.1 km and 141.9 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Tilligerry Creek runs $300 a year cheaper than Salt Ash, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,439.
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 →Salt Ash
Tilligerry Creek
Annual cost breakdown
| Category | Salt Ash | Tilligerry Creek | Difference |
|---|---|---|---|
| Council rates | $1,415 | $1,415 | - |
| Water & sewerage | $1,377 | $1,377 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $2,800 | +$300 |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $23,492 | $23,192 | +$300 |
| Total (public transport) | $8,292 | $7,992 | +$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 | Salt Ash | Tilligerry Creek | 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 — Salt Ash vs Tilligerry Creek (2026-27)
What the numbers show
Tilligerry Creek costs $300 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,439 in favour of Tilligerry Creek.
The biggest single gap is home insurance at $300 per year. Salt Ash carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $300 per year, $8,292 from Salt Ash versus $7,992 from Tilligerry Creek.
10-year cumulative cost projection
| Year | Salt Ash cumulative | Tilligerry Creek cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,492 | $23,192 | $300 |
| Year 3 | $72,611 | $71,684 | $927 |
| Year 5 | $124,722 | $123,129 | $1,593 |
| Year 10 | $269,309 | $265,870 | $3,439 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Salt Ash or Tilligerry Creek cheaper to live in?
Tilligerry Creek is cheaper to run by car at $23,192 per year versus $23,492 for Salt Ash, a difference of $300 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Salt Ash and Tilligerry Creek?
Annual council rates for a house are $1,415 in Salt Ash (Port Stephens rates (OLG) and $1,415 in Tilligerry Creek (Port Stephens rates (OLG). Water and sewerage adds $1,377 in Salt Ash and $1,377 in Tilligerry 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 Salt Ash and Tilligerry Creek?
Annual driving commute costs are $17,600 from Salt Ash and $17,600 from Tilligerry Creek to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Salt Ash and $2,400 from Tilligerry Creek.
What is the 10-year cost difference between Salt Ash and Tilligerry Creek?
At 3% annual cost growth, Salt Ash costs a cumulative $269,309 and Tilligerry Creek costs $265,870 over 10 years by car. The cumulative difference is $3,439 in favour of Tilligerry Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Salt Ash and Tilligerry Creek 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: Port Stephens rates (OLG and Port Stephens 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.