True annual cost of living in Mackay Harbour, QLD 4740
Mackay Harbour sits 4.9 kilometres from Brisbane CBD. Annual running costs for a house total $8,848, covering council rates, water and sewerage, commute and home insurance. Unit costs come in at $7,358, as lower council rates more than offset the $2,800 body corporate levy. Transport mode has the biggest effect on total cost in a suburb this close to the city.
Is it cheaper to drive or take public transport from Mackay Harbour to the CBD?
Public transport saves Mackay Harbour residents $222 per year. Annual commute cost by car is $414 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Mackay Harbour?
Mackay Harbour 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 Mackay Harbour?
Running a unit in Mackay Harbour costs approximately $7,358 per year by car or $7,136 by public transport. This includes council rates of $1,528, water and sewerage $1,906, estimated body corporate levy of $2,800, and contents insurance of $710. 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.