Cedarton vs Commissioners Flat, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Cedarton and Commissioners Flat are both Moreton Bay Regional Council suburbs, sitting 71.3 km and 68.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $175 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, Cedarton costs about $2,000 less to run than Commissioners Flat. That's about $4 a week.
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Commissioners Flat
Annual cost breakdown
| Category | Cedarton | Commissioners Flat | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $3,115 | $3,340 | -$225 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,700 | $2,650 | +$50 |
| Body corporate (unit) Estimated | $1,800 | $1,700 | +$100 |
| Total (driving) | $9,268 | $9,443 | -$175 |
| Total (public transport) | $6,345 | $6,295 | +$50 |
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 | Cedarton | Commissioners Flat | 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, Cedarton vs Commissioners Flat (2026-27)
What the numbers show
Cedarton and Commissioners Flat cost within $175 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,006, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $225 per year. Cedarton is 71.3 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $6,345 and $6,295 a year, so the $175 driving gap nearly closes if you commute by public transport.
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 Cedarton by $225 a year, $3,115 against $3,340.
- Building insurance favours Commissioners Flat by $50 a year, $2,650 against $2,700.
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.
10-year cumulative cost projection
| Year | Cedarton cumulative | Commissioners Flat cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,268 | $9,443 | $175 |
| Year 3 | $28,646 | $29,187 | $541 |
| Year 5 | $49,205 | $50,134 | $929 |
| Year 10 | $106,247 | $108,253 | $2,006 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Cedarton or Commissioners Flat cheaper to live in?
Cedarton is cheaper to run by car at $9,268 per year versus $9,443 for Commissioners Flat, a difference of $175 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Cedarton and Commissioners Flat?
Annual council rates for a house are $1,309 in Cedarton (Moreton Bay Regional Council) and $1,309 in Commissioners Flat (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Cedarton and $2,144 in Commissioners Flat. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Cedarton and Commissioners Flat?
Annual driving commute costs are $3,115 from Cedarton and $3,340 from Commissioners Flat to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Cedarton and $192 from Commissioners Flat.
What is the 10-year cost difference between Cedarton and Commissioners Flat?
At 3% annual cost growth, Cedarton costs a cumulative $106,247 and Commissioners Flat costs $108,253 over 10 years by car. The cumulative difference is $2,006 in favour of Cedarton. Excludes purchase price, mortgage, and personal expenses.
Which of Cedarton and Commissioners Flat 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.