Tygalgah vs Urliup: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Tygalgah and Urliup are both Tweed rates (OLG suburbs, sitting 654.3 km and 656.5 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $250 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. 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 →Tygalgah
Urliup
Annual cost breakdown
| Category | Tygalgah | Urliup | 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 | $2,850 | +$250 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $23,799 | $23,549 | +$250 |
| Total (public transport) | $8,599 | $8,349 | +$250 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Tygalgah | Urliup | 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 — Tygalgah vs Urliup (2026-27)
What the numbers show
Tygalgah and Urliup cost within $250 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,866, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $250 per year. Tygalgah carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $250 per year, $8,599 from Tygalgah versus $8,349 from Urliup.
10-year cumulative cost projection
| Year | Tygalgah cumulative | Urliup cumulative | Difference |
|---|---|---|---|
| Year 1 | $23,799 | $23,549 | $250 |
| Year 3 | $73,560 | $72,788 | $772 |
| Year 5 | $126,352 | $125,025 | $1,327 |
| Year 10 | $272,829 | $269,963 | $2,866 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Tygalgah or Urliup cheaper to live in?
Urliup is cheaper to run by car at $23,549 per year versus $23,799 for Tygalgah, a difference of $250 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Tygalgah and Urliup?
Annual council rates for a house are $1,799 in Tygalgah (Tweed rates (OLG) and $1,799 in Urliup (Tweed rates (OLG). Water and sewerage adds $1,300 in Tygalgah and $1,300 in Urliup. 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 Tygalgah and Urliup?
Annual driving commute costs are $17,600 from Tygalgah and $17,600 from Urliup to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Tygalgah and $2,400 from Urliup.
What is the 10-year cost difference between Tygalgah and Urliup?
At 3% annual cost growth, Tygalgah costs a cumulative $272,829 and Urliup costs $269,963 over 10 years by car. The cumulative difference is $2,866 in favour of Urliup. Excludes purchase price, mortgage, and personal expenses.
Which of Tygalgah and Urliup 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.