Cashmere vs Warner, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/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 $834 a year cheaper than Cashmere, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $9,561.
Over 10 years, Warner costs about $9,600 less to run than Cashmere. That's about $18 a week.
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Warner
Annual cost breakdown
| Category | Cashmere | Warner | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $5,697 | $5,063 | +$634 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,200 | $2,000 | +$200 |
| Body corporate (unit) Estimated | $2,400 | $2,200 | +$200 |
| Total (driving) | $11,350 | $10,516 | +$834 |
| Total (public transport) | $5,845 | $5,645 | +$200 |
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 | Cashmere | Warner | 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, Cashmere vs Warner (2026-27)
What the numbers show
Warner costs $834 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,561 in favour of Warner.
The biggest single gap is commute costs at $634 per year. Cashmere is 22.8 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $5,845 from Cashmere versus $5,645 from Warner.
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 Warner by $634 a year, $5,063 against $5,697.
- Building insurance favours Warner by $200 a year, $2,000 against $2,200.
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 7.8 in Cashmere against 5.2 in Warner, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Cashmere cumulative | Warner cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,350 | $10,516 | $834 |
| Year 3 | $35,082 | $32,504 | $2,578 |
| Year 5 | $60,259 | $55,831 | $4,428 |
| Year 10 | $130,115 | $120,554 | $9,561 |
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 $10,516 per year versus $11,350 for Cashmere, a difference of $834 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cashmere and Warner?
Annual council rates for a house are $1,309 in Cashmere (Moreton Bay Regional Council) and $1,309 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 $5,697 from Cashmere and $5,063 from Warner to Brisbane CBD (ATO 91c/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 $130,115 and Warner costs $120,554 over 10 years by car. The cumulative difference is $9,561 in favour of Warner. Excludes purchase price, mortgage, and personal expenses.
Which of Cashmere and Warner 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.