Chinghee Creek vs Mount Gipps: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Chinghee Creek and Mount Gipps are both Scenic Rim Regional Council suburbs, sitting 33.1 km and 37 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $163 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 →Chinghee Creek
Mount Gipps
Annual cost breakdown
| Category | Chinghee Creek | Mount Gipps | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,376 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $6,557 | $6,720 | -$163 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,200 | $3,200 | - |
| Body corporate (unit) | $1,500 | $1,400 | +$100 |
| Total (driving) | $13,033 | $13,196 | -$163 |
| Total (public transport) | $6,668 | $6,668 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Chinghee Creek | Mount Gipps | 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 — Chinghee Creek vs Mount Gipps (2026-27)
What the numbers show
Chinghee Creek and Mount Gipps cost within $163 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,868, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $163 per year. Mount Gipps is 37 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $6,668 and $6,668 a year, so the $163 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Chinghee Creek cumulative | Mount Gipps cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,033 | $13,196 | $163 |
| Year 3 | $40,284 | $40,788 | $504 |
| Year 5 | $69,194 | $70,059 | $865 |
| Year 10 | $149,409 | $151,277 | $1,868 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Chinghee Creek or Mount Gipps cheaper to live in?
Chinghee Creek is cheaper to run by car at $13,033 per year versus $13,196 for Mount Gipps, a difference of $163 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Chinghee Creek and Mount Gipps?
Annual council rates for a house are $1,376 in Chinghee Creek (Scenic Rim Regional Council) and $1,376 in Mount Gipps (Scenic Rim Regional Council). Water and sewerage adds $1,900 in Chinghee Creek and $1,900 in Mount Gipps. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Chinghee Creek and Mount Gipps?
Annual driving commute costs are $6,557 from Chinghee Creek and $6,720 from Mount Gipps to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Chinghee Creek and $192 from Mount Gipps.
What is the 10-year cost difference between Chinghee Creek and Mount Gipps?
At 3% annual cost growth, Chinghee Creek costs a cumulative $149,409 and Mount Gipps costs $151,277 over 10 years by car. The cumulative difference is $1,868 in favour of Chinghee Creek. Excludes purchase price, mortgage, and personal expenses.
Which of Chinghee Creek and Mount Gipps 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: Scenic Rim Regional Council and Scenic Rim 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.