Bohle vs Cosgrove, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Bohle and Cosgrove are both Townsville City Council suburbs, sitting 10.3 km and 10.9 km from Townsville CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Bohle runs $504 a year cheaper than Cosgrove, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,778.
Over 10 years the gap between these two is about $5,800, about $11 a week, and most of it is the AI-estimated insurance line.
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Cosgrove
Annual cost breakdown
| Category | Bohle | Cosgrove | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,343 | $1,343 | - |
| Water & sewerage Official, 2026-27 | $2,099 | $2,099 | - |
| Commute (driving) Modelled, 2026-27 | $3,135 | $3,289 | -$154 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $3,400 | $3,750 | -$350 |
| Body corporate (unit) Estimated | $2,000 | $1,800 | +$200 |
| Total (driving) | $9,977 | $10,481 | -$504 |
| Total (public transport) | $7,034 | $7,384 | -$350 |
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 | Bohle | Cosgrove | Difference |
|---|---|---|---|
| House | $2,373 | $2,373 | - |
| Unit | $1,945 | $1,945 | - |
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, Bohle vs Cosgrove (2026-27)
What the numbers show
Bohle and Cosgrove differ by $504 a year by car, but $350 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $154, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year.
On public transport the gap is $350 per year, $7,034 from Bohle versus $7,384 from Cosgrove.
Where the difference actually comes from
- Council rates is identical at $1,343 a year.
- Water and sewerage is identical at $2,099 a year.
- Driving commute favours Bohle by $154 a year, $3,135 against $3,289.
- Building insurance favours Bohle by $350 a year, $3,400 against $3,750.
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.
The catchment state school scores 5.7 in Bohle against 4.2 in Cosgrove, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Bohle cumulative | Cosgrove cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,977 | $10,481 | $504 |
| Year 3 | $30,838 | $32,396 | $1,558 |
| Year 5 | $52,969 | $55,645 | $2,676 |
| Year 10 | $114,375 | $120,153 | $5,778 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bohle or Cosgrove cheaper to live in?
Neither is named cheaper. Bohle runs $9,977 a year by car and Cosgrove $10,481, but most of the $504 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $154. Source: SuburbCost 2026 data.
What are council rates in Bohle and Cosgrove?
Annual council rates for a house are $1,343 in Bohle (Townsville City Council) and $1,343 in Cosgrove (Townsville City Council). Water and sewerage adds $2,099 in Bohle and $2,099 in Cosgrove. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Bohle and Cosgrove?
Annual driving commute costs are $3,135 from Bohle and $3,289 from Cosgrove to Townsville CBD (ATO 91c/km). Public transport costs $192 from Bohle and $192 from Cosgrove.
What is the 10-year cost difference between Bohle and Cosgrove?
At 3% annual cost growth, Bohle costs a cumulative $114,375 and Cosgrove costs $120,153 over 10 years by car. The cumulative difference is $5,778 in favour of Bohle. Excludes purchase price, mortgage, and personal expenses.
Which of Bohle and Cosgrove suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.