Ascot vs Eagle Farm, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Ascot and Eagle Farm are both Brisbane City Council suburbs, sitting 5.9 km and 7.6 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $7 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan → Neither quite right? Find the Brisbane suburbs that fit your budget →Ascot
Eagle Farm
Annual cost breakdown
| Category | Ascot | Eagle Farm | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $1,910 | $2,403 | -$493 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,200 | $1,700 | +$500 |
| Body corporate (unit) Estimated | $3,500 | $2,800 | +$700 |
| Total (driving) | $6,960 | $6,953 | +$7 |
| Total (public transport) | $5,242 | $4,742 | +$500 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Ascot | Eagle Farm | Difference |
|---|---|---|---|
| House | $2,135 | $2,135 | - |
| Unit | $1,776 | $1,776 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Ascot vs Eagle Farm (2026-27)
What the numbers show
Ascot and Eagle Farm cost within $7 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $81, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $500 per year.
On public transport the gap is $500 per year, $5,242 from Ascot versus $4,742 from Eagle Farm.
Where the difference actually comes from
- Council rates is identical at $950 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Ascot by $493 a year, $1,910 against $2,403.
- Building insurance favours Eagle Farm by $500 a year, $1,700 against $2,200.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance and the insurance band.
Flood risk is rated medium in Eagle Farm against low in Ascot, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Ascot cumulative | Eagle Farm cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,960 | $6,953 | $7 |
| Year 3 | $21,513 | $21,491 | $22 |
| Year 5 | $36,952 | $36,914 | $38 |
| Year 10 | $79,789 | $79,708 | $81 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ascot or Eagle Farm cheaper to live in?
Eagle Farm is cheaper to run by car at $6,953 per year versus $6,960 for Ascot, a difference of $7 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Ascot and Eagle Farm?
Annual council rates for a house are $950 in Ascot (Brisbane City Council) and $950 in Eagle Farm (Brisbane City Council). Water and sewerage adds $1,900 in Ascot and $1,900 in Eagle Farm. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Ascot and Eagle Farm?
Annual driving commute costs are $1,910 from Ascot and $2,403 from Eagle Farm to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Ascot and $192 from Eagle Farm.
What is the 10-year cost difference between Ascot and Eagle Farm?
At 3% annual cost growth, Ascot costs a cumulative $79,789 and Eagle Farm costs $79,708 over 10 years by car. The cumulative difference is $81 in favour of Eagle Farm. Excludes purchase price, mortgage, and personal expenses.
Which of Ascot and Eagle Farm suits you better?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Brisbane City Council and Brisbane City Council rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.