Bundamba vs Dinmore, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Bundamba and Dinmore are both Ipswich City Council suburbs, sitting 25.7 km and 23.7 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Dinmore runs $918 a year cheaper than Bundamba, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $10,524.
Over 10 years the gap between these two is about $10,500, about $20 a week, and most of it is the AI-estimated insurance line.
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Dinmore
Annual cost breakdown
| Category | Bundamba | Dinmore | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,298 | $1,298 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $6,096 | $5,828 | +$268 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,800 | $2,150 | +$650 |
| Body corporate (unit) Estimated | $2,200 | $2,000 | +$200 |
| Total (driving) | $12,094 | $11,176 | +$918 |
| Total (public transport) | $6,190 | $5,540 | +$650 |
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 | Bundamba | Dinmore | 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, Bundamba vs Dinmore (2026-27)
What the numbers show
Bundamba and Dinmore differ by $918 a year by car, but $650 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 $268, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $650 per year. Bundamba carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $650 per year, $6,190 from Bundamba versus $5,540 from Dinmore.
Where the difference actually comes from
- Council rates is identical at $1,298 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Dinmore by $268 a year, $5,828 against $6,096.
- Building insurance favours Dinmore by $650 a year, $2,150 against $2,800.
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 Bundamba against low in Dinmore, which feeds the insurance estimate. The catchment state school scores 3.4 in Bundamba against 2.1 in Dinmore, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Bundamba cumulative | Dinmore cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,094 | $11,176 | $918 |
| Year 3 | $37,381 | $34,544 | $2,837 |
| Year 5 | $64,209 | $59,335 | $4,874 |
| Year 10 | $138,644 | $128,120 | $10,524 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Bundamba or Dinmore cheaper to live in?
Neither is named cheaper. Bundamba runs $12,094 a year by car and Dinmore $11,176, but most of the $918 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $268. Source: SuburbCost 2026 data.
What are council rates in Bundamba and Dinmore?
Annual council rates for a house are $1,298 in Bundamba (Ipswich City Council) and $1,298 in Dinmore (Ipswich City Council). Water and sewerage adds $1,900 in Bundamba and $1,900 in Dinmore. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Bundamba and Dinmore?
Annual driving commute costs are $6,096 from Bundamba and $5,828 from Dinmore to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Bundamba and $192 from Dinmore.
What is the 10-year cost difference between Bundamba and Dinmore?
At 3% annual cost growth, Bundamba costs a cumulative $138,644 and Dinmore costs $128,120 over 10 years by car. The cumulative difference is $10,524 in favour of Dinmore. Excludes purchase price, mortgage, and personal expenses.
Which of Bundamba and Dinmore suits you better?
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Sources: Ipswich City Council and Ipswich 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.