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52.4 km from Mackay CBD
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True annual cost of living in Pinnacle, QLD 4741

Living in a house in Pinnacle costs about $14,331 a year: council rates, water and sewerage, commute and home insurance combined. Pinnacle sits 52.4 kilometres from Mackay CBD. Unit costs come in at $12,083, as lower council rates more than offset the $1,500 body corporate levy. At 52.4km, the commute dominates running costs. Drivers pay $6,125 more per year than public transport users.

Last updated July 2026 · Mackay Regional Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Costs 10% more to run than the Mackay Regional Council average, cheaper than only 31% of suburbs in the region.
The commute is the biggest expense at $6,317, roughly 44% of the annual total.
Switching from driving to public transport saves $6,125 a year, a significant saving at this distance.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$14,331
Driving · per year
$1,194/month
Lower cost
Unit annual cost
$12,083
Incl. body corporate
$1,007/month
House vs unit difference
−$2,248
Unit is cheaper per year

Annual cost breakdown

Council rates
Mackay Regional Council 2026-27 · minimum rate
$1,466
Water & sewerage
Mackay Regional Council Water & Sewerage 2026-27
$2,048
Driving commute
ATO 91c/km · 52.4km from Mackay CBD · 192 days
$6,317
Home insurance
Estimated · flood Low · fire Low
$4,500
Total annual running cost
$14,331
($1,194/month)
↑ 10% above Mackay Regional Council average
SuburbCost affordability score ●●●○○ 5.3/10 Average
Cheaper to run than 31% of Mackay Regional Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,140/yr
5,126 kWh
Unit
$1,770/yr
3,845 kWh
Estimated from AER residential benchmarks for Pinnacle'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 Pinnacle

within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
0
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. 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.

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Frequently asked questions about Pinnacle

Is it cheaper to drive or take public transport from Pinnacle to Mackay CBD?

Public transport saves Pinnacle residents $6,125 per year. Annual commute cost by car is $6,317 versus $192 by public transport using Translink's flat 50 cent fare.

What are the council rates in Pinnacle?

Pinnacle falls under Mackay Regional Council. The minimum residential general rate for 2026-27 is $1,466 per year for an owner-occupied house. Properties on higher land value pay more. 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 Pinnacle?

Running a unit in Pinnacle costs approximately $12,083 per year by car or $5,958 by public transport. This includes council rates of $1,528, water and sewerage $2,048, estimated body corporate levy of $1,500, and contents insurance of $690. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Pinnacle close to public transport?

No scheduled public transport stop was found within a 2 km walk of the centre of Pinnacle. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.

What shops and parks are in Pinnacle?

Within a 2 km walk of the centre of Pinnacle 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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Data sources: Council rates: Mackay Regional Council 2026-27. Water: Mackay Regional Council Water & Sewerage 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Queensland Globe, QFES. Data updated 2026-07.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.