Hay Point sits 18.9 kilometres from Brisbane CBD. Annual running costs for a house total $9,331, covering council rates, water and sewerage, commute and home insurance. Unit costs come in at $7,531, as lower council rates more than offset the $1,800 body corporate levy. At 18.9km from the CBD, transport mode shifts the annual total by $1,405. The gap widens as commute costs rise.
Annual cost — house
$9,331
Driving · per year
$778/month
Lower cost
Annual cost — unit
$7,531
Incl. body corporate
$628/month
House vs unit difference
−$1,800
Unit is cheaper per year
Annual cost breakdown
Council rates
Mackay Regional Council 2025-26
$1,328
Water & sewerage
Mackay Regional Council Water & Sewerage 2025-26
$1,906
Commute — driving
ATO 88c/km · 18.9km from CBD · 192 days
$1,597
Home insurance
Estimated — flood Low, fire Low
$4,500
Body corporate
Estimated
$1,800
Total annual running cost
$9,331
($778/month)
↓ 8% below Mackay Regional Council average
SuburbCost affordability score ●●●○○6.7/10
Compare Hay Point with another suburb
Nearby: No nearby suburbs with data found
Is it cheaper to drive or take public transport from Hay Point to the CBD?
Public transport saves Hay Point residents $1,405 per year. Annual commute cost by car is $1,597 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Hay Point?
Hay Point falls under Mackay Regional Council. The residential general rate for 2025–26 is $1,328 per year for an owner-occupied house. Unit owners in strata schemes pay $1,528 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Hay Point?
Running a unit in Hay Point costs approximately $7,531 per year by car or $6,126 by public transport. This includes council rates of $1,528, water and sewerage $1,906, estimated body corporate levy of $1,800, and contents insurance of $700. Body corporate fees vary significantly between buildings — always confirm the actual levy before purchasing.
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Data sources: Council rates: Mackay Regional Council 2025-26. Water: Mackay Regional Council Water & Sewerage 2025-26. Commute: ATO cents per kilometre rate 2025–26 (88c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA NAPLAN 2025. Risk: Queensland Globe, QFES. Data updated July 2025. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.