True annual cost of living in Shoal Point, QLD 4750
Living in a house in Shoal Point costs about $11,566 a year: council rates, water and sewerage, commute and home insurance combined. Shoal Point sits 15.9 kilometres from Mackay CBD. Unit costs come in at $10,908, as lower council rates more than offset the $2,200 body corporate levy. At 15.9km from Mackay CBD, transport mode shifts the annual total by $4,260. The gap widens as commute costs rise.
About $222 a week to run a house here, including estimates
Lower cost
Unit annual cost
$10,908
Incl. body corporate
$909/month
About $210 a week to run a unit here, including estimates
House vs unit difference
−$658
Unit is cheaper per year
Annual cost breakdown
Council rates
Official, 2026-27 Mackay Regional Council
$1,466
Water & sewerage
Official, 2026-27 Mackay Regional Council Water & Sewerage
$2,048
Driving commute
Modelled, 2026-27 ATO 91c/km · 15.9km from Mackay CBD · 192 days
$4,452
Home insurance
Estimated flood Low · fire Low
$3,600
Body corporate
Estimated
$2,200
Total annual running cost
$11,566
($964/month, $222/week)
Excludes electricity, estimated separately below. Also excludes the state Emergency Management Levy on your rates notice, $260 a year here (levy class A, 2026-27).
Near Mackay Regional Council average
SuburbCost affordability score ●●●○○6.1/10 Average
Cheaper to run than 42% 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 Shoal Point'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 Shoal Point
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Nearest hospital
GP Super Clinic, 5,970 m away, about a 75 minute walk.
Supermarkets
0
Cafes
0
Parks
23
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 Shoal Point to Mackay CBD?
Public transport saves Shoal Point residents $4,260 per year. Annual commute cost by car is $4,452 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Shoal Point?
Shoal Point 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 Shoal Point?
Running a unit in Shoal Point costs approximately $10,908 per year by car or $6,648 by public transport. This includes council rates of $1,528, water and sewerage $2,048, estimated body corporate levy of $2,200, and contents insurance of $680. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Shoal Point close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Shoal Point. 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 is the closest hospital to Shoal Point?
The closest hospital to the centre of Shoal Point is GP Super Clinic, about 5,970 m away, about a 75 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 Shoal Point?
Within a 2 km walk of the centre of Shoal Point there are 0 supermarkets, 0 cafes and 23 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: Mackay Regional Council 2026-27. Water: Mackay Regional Council Water & Sewerage 2026-27. 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: Queensland Globe, QFES. Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.