Living in a house in Tocal costs about $13,411 a year: council rates, water and sewerage, commute and home insurance combined. Tocal sits 37.6 kilometres from Newcastle CBD. Unit costs come in at $12,821, as lower council rates more than offset the $1,800 body corporate levy. At 37.6km, the commute dominates running costs. Drivers pay $4,564 more per year than public transport users.
Cheaper to run than 4% of Maitland suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Tocal'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 Tocal
within a 2 km walk
Nearest stop
Paterson, 3,835 m away, about a 48 minute walk. It is a train stop.
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.
Is it cheaper to drive or take public transport from Tocal to Newcastle CBD?
Public transport saves Tocal residents $4,564 per year. Annual commute cost by car is $6,964 versus $2,400 by public transport using the Opal network.
What are the council rates in Tocal?
Tocal falls under Maitland Council. The average residential rate for 2026-27 is $1,970 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 $1,970 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Tocal?
Running a unit in Tocal costs approximately $12,821 per year by car or $8,257 by public transport. This includes council rates of $1,970, water and sewerage $1,377, estimated body corporate levy of $1,800, and contents insurance of $710. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Tocal close to public transport?
The nearest scheduled service to the centre of Tocal is Paterson, a train stop about 3,835 m away, about a 48 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 shops and parks are in Tocal?
Within a 2 km walk of the centre of Tocal 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: Maitland rates (OLG 2024-25 + IPART 2026-27 peg). Water: Hunter Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data updated 2026-07. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.