Cashmere vs Warner: 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 Warner are both Moreton Bay Regional Council suburbs, sitting 22.8 km and 19 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Warner runs $863 a year cheaper than Cashmere, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $9,893.
Over 10 years, Warner costs about $9,900 less to run than Cashmere — the same as paying $9,900 less for the home. It's the cost no listing shows you.
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Warner
Annual cost breakdown
| Category | Cashmere | Warner | Difference |
|---|---|---|---|
| Council rates | $1,636 | $1,636 | - |
| Water & sewerage | $2,144 | $2,144 | - |
| Commute (driving) | $5,509 | $4,896 | +$613 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,100 | $2,850 | +$250 |
| Body corporate (unit) | $2,400 | $2,200 | +$200 |
| Total (driving) | $12,389 | $11,526 | +$863 |
| Total (public transport) | $7,072 | $6,822 | +$250 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Cashmere | Warner | 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 Warner (2026-27)
What the numbers show
Warner costs $863 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,893 in favour of Warner.
The biggest single gap is commute costs at $613 per year. Cashmere is 22.8 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $250 per year, $7,072 from Cashmere versus $6,822 from Warner.
10-year cumulative cost projection
| Year | Cashmere cumulative | Warner cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,389 | $11,526 | $863 |
| Year 3 | $38,293 | $35,626 | $2,667 |
| Year 5 | $65,775 | $61,193 | $4,582 |
| Year 10 | $142,026 | $132,133 | $9,893 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cashmere or Warner cheaper to live in?
Warner is cheaper to run by car at $11,526 per year versus $12,389 for Cashmere, a difference of $863 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cashmere and Warner?
Annual council rates for a house are $1,636 in Cashmere (Moreton Bay Regional Council) and $1,636 in Warner (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Cashmere and $2,144 in Warner. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Cashmere and Warner?
Annual driving commute costs are $5,509 from Cashmere and $4,896 from Warner to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Cashmere and $192 from Warner.
What is the 10-year cost difference between Cashmere and Warner?
At 3% annual cost growth, Cashmere costs a cumulative $142,026 and Warner costs $132,133 over 10 years by car. The cumulative difference is $9,893 in favour of Warner. Excludes purchase price, mortgage, and personal expenses.
Which of Cashmere and Warner is best to actually live in?
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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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.