Stotts Creek vs Tumbulgum: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Stotts Creek and Tumbulgum are both Tweed rates (OLG suburbs, sitting 659.1 km and 657.9 km from Sydney CBD respectively, 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.
Stotts Creek
Tumbulgum
Annual cost breakdown
| Category | Stotts Creek | Tumbulgum | Difference |
|---|---|---|---|
| Council rates | $1,799 | $1,799 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $17,600 | $17,600 | - |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,100 | $3,100 | - |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,799 | $23,799 | - |
| Total (public transport) | $8,599 | $8,599 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Stotts Creek | Tumbulgum | Difference |
|---|---|---|---|
| House | $2,098 | $2,098 | - |
| Unit | $1,679 | $1,679 | - |
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 — Stotts Creek vs Tumbulgum (2026-27)
What the numbers show
Stotts Creek and Tumbulgum 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, $8,599 and $8,599 a year, so the $0 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Stotts Creek cumulative | Tumbulgum cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,799 | $23,799 | $0 |
| Year 3 | $73,560 | $73,560 | $0 |
| Year 5 | $126,352 | $126,352 | $0 |
| Year 10 | $272,829 | $272,829 | $0 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Stotts Creek or Tumbulgum cheaper to live in?
Stotts Creek is cheaper to run by car at $23,799 per year versus $23,799 for Tumbulgum, a difference of $0 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Stotts Creek and Tumbulgum?
Annual council rates for a house are $1,799 in Stotts Creek (Tweed rates (OLG) and $1,799 in Tumbulgum (Tweed rates (OLG). Water and sewerage adds $1,300 in Stotts Creek and $1,300 in Tumbulgum. 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 Stotts Creek and Tumbulgum?
Annual driving commute costs are $17,600 from Stotts Creek and $17,600 from Tumbulgum to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Stotts Creek and $2,400 from Tumbulgum.
What is the 10-year cost difference between Stotts Creek and Tumbulgum?
At 3% annual cost growth, Stotts Creek costs a cumulative $272,829 and Tumbulgum costs $272,829 over 10 years by car. The cumulative difference is $0 in favour of Stotts Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Stotts Creek and Tumbulgum 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: Tweed rates (OLG and Tweed 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.