True annual cost of living in King Creek, NSW 2446
Living in a house in King Creek costs about $9,997 a year: council rates, water and sewerage, commute and home insurance combined. King Creek sits 16.5 kilometres from Port Macquarie CBD. Unit costs come in at $9,457, as lower council rates more than offset the $1,500 body corporate levy. The commute is costed by car to Port Macquarie, at $4,577 a year, because no daily public transport commute is assumed here.
About $192 a week to run a house here, including estimates
Lower cost
Unit annual cost
$9,457
Incl. body corporate
$788/month
About $182 a week to run a unit here, including estimates
House vs unit difference
−$540
Unit is cheaper per year
Annual cost breakdown
Council rates
Official, 2026-27 Port Macquarie-Hastings rates
$1,370
Water & sewerage
Estimated Regional NSW estimate
$1,300
Driving commute
Modelled, 2026-27 ATO 91c/km · 16.5km from Port Macquarie CBD · 192 days
$4,577
Home insurance
Estimated flood High · fire Medium
$2,750
Body corporate
Estimated
$1,500
Total annual running cost
$9,997
($833/month, $192/week)
Excludes electricity, estimated separately below.
↓ 21% below Port Macquarie-Hastings average
SuburbCost affordability score ●●●○○5.6/10 Average
Cheaper to run than 80% of Port Macquarie-Hastings suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,827/yr
5,238 kWh
Unit
$2,369/yr
3,929 kWh
Estimated from AER residential benchmarks for King Creek's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.
Getting around King Creek
within a 2 km walk
Nearest stop
Unnamed, 3,373 m away, about a 42 minute walk. It is a bus stop.
Nearest hospital
Wauchope District Memorial Hospital, 3,547 m away, about a 44 minute walk.
Supermarkets
0
Cafes
0
Parks
0
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-11-03. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.
Is it cheaper to drive or take public transport from King Creek to Port Macquarie CBD?
Public transport options are limited in King Creek; driving is the practical commute at $4,577 per year.
What are the council rates in King Creek?
King Creek falls under Port Macquarie-Hastings Council. The average residential rate for 2026-27 is $1,370 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,370 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in King Creek?
Running a unit in King Creek costs approximately $9,457 per year by car or $9,457 by public transport. This includes council rates of $1,370, water and sewerage $1,300, estimated body corporate levy of $1,500, and contents insurance of $710. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is King Creek close to public transport?
The nearest scheduled service to the centre of King Creek is Unnamed, a bus stop about 3,373 m away, about a 42 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.
What is the closest hospital to King Creek?
The closest hospital to the centre of King Creek is Wauchope District Memorial Hospital, about 3,547 m away, about a 44 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.
What shops and parks are in King Creek?
Within a 2 km walk of the centre of King Creek there are 0 supermarkets, 0 cafes and 0 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
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10-year cost projection
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Data sources: Council rates: Port Macquarie-Hastings rates (OLG 2024-25 + IPART 2026-27 peg). Water: Regional NSW estimate. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.