Chelmer vs Graceville, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Chelmer and Graceville are both Brisbane City Council suburbs, sitting 6.9 km and 7.2 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $85 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.
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Graceville
Annual cost breakdown
| Category | Chelmer | Graceville | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $2,204 | $2,289 | -$85 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,450 | $2,450 | - |
| Body corporate (unit) Estimated | $3,200 | $3,200 | - |
| Total (driving) | $7,504 | $7,589 | -$85 |
| Total (public transport) | $5,492 | $5,492 | - |
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 | Chelmer | Graceville | 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, Chelmer vs Graceville (2026-27)
What the numbers show
Chelmer and Graceville cost within $85 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $974, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $85 per year. Graceville is 7.2 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, $5,492 and $5,492 a year, so the $85 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $950 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Chelmer by $85 a year, $2,204 against $2,289.
- Building insurance is identical at $2,450 a year.
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.
10-year cumulative cost projection
| Year | Chelmer cumulative | Graceville cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,504 | $7,589 | $85 |
| Year 3 | $23,194 | $23,457 | $263 |
| Year 5 | $39,840 | $40,291 | $451 |
| Year 10 | $86,025 | $86,999 | $974 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Chelmer or Graceville cheaper to live in?
Chelmer is cheaper to run by car at $7,504 per year versus $7,589 for Graceville, a difference of $85 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Chelmer and Graceville?
Annual council rates for a house are $950 in Chelmer (Brisbane City Council) and $950 in Graceville (Brisbane City Council). Water and sewerage adds $1,900 in Chelmer and $1,900 in Graceville. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Chelmer and Graceville?
Annual driving commute costs are $2,204 from Chelmer and $2,289 from Graceville to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Chelmer and $192 from Graceville.
What is the 10-year cost difference between Chelmer and Graceville?
At 3% annual cost growth, Chelmer costs a cumulative $86,025 and Graceville costs $86,999 over 10 years by car. The cumulative difference is $974 in favour of Chelmer. Excludes purchase price, mortgage, and personal expenses.
Which of Chelmer and Graceville suits you better?
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Sources: Brisbane City Council and Brisbane City 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.