Cashmere vs Joyner: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Cashmere and Joyner are both Moreton Bay Regional Council suburbs, sitting 22.8 km and 23.1 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $57 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
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 →Cashmere
Joyner
Annual cost breakdown
| Category | Cashmere | Joyner | Difference |
|---|---|---|---|
| Council rates | $1,636 | $1,636 | - |
| Water & sewerage | $2,144 | $2,144 | - |
| Commute (driving) | $5,509 | $5,552 | -$43 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,100 | $3,000 | +$100 |
| Body corporate (unit) | $2,400 | $2,800 | -$400 |
| Total (driving) | $12,389 | $12,332 | +$57 |
| Total (public transport) | $7,072 | $6,972 | +$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Cashmere | Joyner | 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 — Cashmere vs Joyner (2026-27)
What the numbers show
Cashmere and Joyner cost within $57 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $653, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $100 per year.
On public transport the two suburbs cost almost the same, $7,072 and $6,972 a year, so the $57 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Cashmere cumulative | Joyner cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,389 | $12,332 | $57 |
| Year 3 | $38,293 | $38,117 | $176 |
| Year 5 | $65,775 | $65,472 | $303 |
| Year 10 | $142,026 | $141,373 | $653 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cashmere or Joyner cheaper to live in?
Joyner is cheaper to run by car at $12,332 per year versus $12,389 for Cashmere, a difference of $57 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cashmere and Joyner?
Annual council rates for a house are $1,636 in Cashmere (Moreton Bay Regional Council) and $1,636 in Joyner (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Cashmere and $2,144 in Joyner. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Cashmere and Joyner?
Annual driving commute costs are $5,509 from Cashmere and $5,552 from Joyner to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Cashmere and $192 from Joyner.
What is the 10-year cost difference between Cashmere and Joyner?
At 3% annual cost growth, Cashmere costs a cumulative $142,026 and Joyner costs $141,373 over 10 years by car. The cumulative difference is $653 in favour of Joyner. Excludes purchase price, mortgage, and personal expenses.
Which of Cashmere and Joyner 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: 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.