Caboolture South vs Morayfield, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Caboolture South and Morayfield are both Moreton Bay Regional Council suburbs, sitting 42.5 km and 38.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Caboolture South runs $771 a year cheaper than Morayfield, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,838.
Over 10 years the gap between these two is about $8,800, about $17 a week, and most of it is the AI-estimated insurance line.
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Morayfield
Annual cost breakdown
| Category | Caboolture South | Morayfield | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $6,962 | $6,983 | -$21 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $1,400 | $2,150 | -$750 |
| Body corporate (unit) Estimated | $2,000 | $2,000 | - |
| Total (driving) | $11,815 | $12,586 | -$771 |
| Total (public transport) | $5,045 | $5,795 | -$750 |
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 | Caboolture South | Morayfield | 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, Caboolture South vs Morayfield (2026-27)
What the numbers show
Caboolture South and Morayfield differ by $771 a year by car, but $750 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 $21, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $750 per year.
On public transport the gap is $750 per year, $5,045 from Caboolture South versus $5,795 from Morayfield.
Where the difference actually comes from
- Council rates is identical at $1,309 a year.
- Water and sewerage is identical at $2,144 a year.
- Driving commute favours Caboolture South by $21 a year, $6,962 against $6,983.
- Building insurance favours Caboolture South by $750 a year, $1,400 against $2,150.
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.
Fire risk is rated high in Morayfield against medium in Caboolture South, which feeds the insurance estimate. The catchment state school scores 4.7 in Morayfield against 3.2 in Caboolture South, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Caboolture South cumulative | Morayfield cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,815 | $12,586 | $771 |
| Year 3 | $36,519 | $38,902 | $2,383 |
| Year 5 | $62,727 | $66,821 | $4,094 |
| Year 10 | $135,446 | $144,284 | $8,838 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Caboolture South or Morayfield cheaper to live in?
Neither is named cheaper. Caboolture South runs $11,815 a year by car and Morayfield $12,586, but most of the $771 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $21. Source: SuburbCost 2026 data.
What are council rates in Caboolture South and Morayfield?
Annual council rates for a house are $1,309 in Caboolture South (Moreton Bay Regional Council) and $1,309 in Morayfield (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Caboolture South and $2,144 in Morayfield. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Caboolture South and Morayfield?
Annual driving commute costs are $6,962 from Caboolture South and $6,983 from Morayfield to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Caboolture South and $192 from Morayfield.
What is the 10-year cost difference between Caboolture South and Morayfield?
At 3% annual cost growth, Caboolture South costs a cumulative $135,446 and Morayfield costs $144,284 over 10 years by car. The cumulative difference is $8,838 in favour of Caboolture South. Excludes purchase price, mortgage, and personal expenses.
Which of Caboolture South and Morayfield suits you better?
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Sources: Moreton Bay Regional Council and Moreton Bay Regional 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.