Bellbowrie vs Moggill: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Bellbowrie and Moggill are both Brisbane City Council suburbs, sitting 17.1 km and 19 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bellbowrie runs $453 a year cheaper than Moggill, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $5,194.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Bellbowrie
Moggill
Annual cost breakdown
| Category | Bellbowrie | Moggill | Difference |
|---|---|---|---|
| Council rates | $1,579 | $1,579 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $4,543 | $4,896 | -$353 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,900 | $3,000 | -$100 |
| Body corporate (unit) | $2,800 | $2,400 | +$400 |
| Total (driving) | $10,922 | $11,375 | -$453 |
| Total (public transport) | $6,571 | $6,671 | -$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Bellbowrie | Moggill | Difference |
|---|---|---|---|
| House | $1,976 | $1,976 | - |
| Unit | $1,591 | $1,591 | - |
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 — Bellbowrie vs Moggill (2026-27)
What the numbers show
Bellbowrie costs $453 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $5,194 in favour of Bellbowrie.
The biggest single gap is commute costs at $353 per year. Moggill is 19 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $6,571 and $6,671 a year, so the $453 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Bellbowrie cumulative | Moggill cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,922 | $11,375 | $453 |
| Year 3 | $33,759 | $35,159 | $1,400 |
| Year 5 | $57,986 | $60,391 | $2,405 |
| Year 10 | $125,208 | $130,402 | $5,194 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bellbowrie or Moggill cheaper to live in?
Bellbowrie is cheaper to run by car at $10,922 per year versus $11,375 for Moggill, a difference of $453 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Bellbowrie and Moggill?
Annual council rates for a house are $1,579 in Bellbowrie (Brisbane City Council) and $1,579 in Moggill (Brisbane City Council). Water and sewerage adds $1,900 in Bellbowrie and $1,900 in Moggill. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Bellbowrie and Moggill?
Annual driving commute costs are $4,543 from Bellbowrie and $4,896 from Moggill to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Bellbowrie and $192 from Moggill.
What is the 10-year cost difference between Bellbowrie and Moggill?
At 3% annual cost growth, Bellbowrie costs a cumulative $125,208 and Moggill costs $130,402 over 10 years by car. The cumulative difference is $5,194 in favour of Bellbowrie. Excludes purchase price, mortgage, and personal expenses.
Which of Bellbowrie and Moggill is best to actually live in?
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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.