Beach Holm vs Mount Low: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Beach Holm and Mount Low are both Townsville City Council suburbs, sitting 18.8 km and 16.2 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Mount Low runs $1,094 a year cheaper than Beach Holm, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $12,542.
Over 10 years, Mount Low costs about $12,500 less to run than Beach Holm — the same as paying $12,500 less for the home. It's the cost no listing shows you.
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Mount Low
Annual cost breakdown
| Category | Beach Holm | Mount Low | Difference |
|---|---|---|---|
| Council rates | $1,343 | $1,343 | - |
| Water & sewerage | $2,099 | $2,099 | - |
| Commute (driving) | $4,860 | $4,366 | +$494 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $4,800 | $4,200 | +$600 |
| Body corporate (unit) | $2,000 | $2,000 | - |
| Total (driving) | $13,102 | $12,008 | +$1,094 |
| Total (public transport) | $8,434 | $7,834 | +$600 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Beach Holm | Mount Low | Difference |
|---|---|---|---|
| House | $2,218 | $2,218 | - |
| Unit | $1,773 | $1,773 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Beach Holm vs Mount Low (2026-27)
What the numbers show
Mount Low costs $1,094 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $12,542 in favour of Mount Low.
The biggest single gap is home insurance at $600 per year.
On public transport the gap is $600 per year, $8,434 from Beach Holm versus $7,834 from Mount Low.
10-year cumulative cost projection
| Year | Beach Holm cumulative | Mount Low cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,102 | $12,008 | $1,094 |
| Year 3 | $40,497 | $37,116 | $3,381 |
| Year 5 | $69,560 | $63,752 | $5,808 |
| Year 10 | $150,200 | $137,658 | $12,542 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Beach Holm or Mount Low cheaper to live in?
Mount Low is cheaper to run by car at $12,008 per year versus $13,102 for Beach Holm, a difference of $1,094 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Beach Holm and Mount Low?
Annual council rates for a house are $1,343 in Beach Holm (Townsville City Council) and $1,343 in Mount Low (Townsville City Council). Water and sewerage adds $2,099 in Beach Holm and $2,099 in Mount Low. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Beach Holm and Mount Low?
Annual driving commute costs are $4,860 from Beach Holm and $4,366 from Mount Low to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Beach Holm and $192 from Mount Low.
What is the 10-year cost difference between Beach Holm and Mount Low?
At 3% annual cost growth, Beach Holm costs a cumulative $150,200 and Mount Low costs $137,658 over 10 years by car. The cumulative difference is $12,542 in favour of Mount Low. Excludes purchase price, mortgage, and personal expenses.
Which of Beach Holm and Mount Low is best to actually live in?
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Sources: Townsville City Council and Townsville City Council rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.