Churchill vs Ipswich, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Churchill and Ipswich are both Ipswich City Council suburbs, sitting 32.9 km and 31.2 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Churchill runs $1,482 a year cheaper than Ipswich, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $16,990.
Over 10 years the gap between these two is about $17,000, about $33 a week, and most of it is the AI-estimated insurance line.
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Ipswich
Annual cost breakdown
| Category | Churchill | Ipswich | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,298 | $1,298 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $6,768 | $6,650 | +$118 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,100 | $3,700 | -$1,600 |
| Body corporate (unit) Estimated | $2,400 | $2,200 | +$200 |
| Total (driving) | $12,066 | $13,548 | -$1,482 |
| Total (public transport) | $5,490 | $7,090 | -$1,600 |
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 | Churchill | Ipswich | 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, Churchill vs Ipswich (2026-27)
What the numbers show
Churchill and Ipswich differ by $1,482 a year by car, but $1,600 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $118, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $1,600 per year. Ipswich carries high flood risk, which pushes estimated premiums higher.
On public transport the gap is $1,600 per year, $5,490 from Churchill versus $7,090 from Ipswich.
Where the difference actually comes from
- Council rates is identical at $1,298 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Ipswich by $118 a year, $6,650 against $6,768.
- Building insurance favours Churchill by $1,600 a year, $2,100 against $3,700.
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.
Flood risk is rated high in Ipswich against low in Churchill, which feeds the insurance estimate. Fire risk is rated high in Churchill against medium in Ipswich, which feeds the insurance estimate. The catchment state school scores 5.5 in Ipswich against 3.8 in Churchill, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Churchill cumulative | Ipswich cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,066 | $13,548 | $1,482 |
| Year 3 | $37,295 | $41,876 | $4,581 |
| Year 5 | $64,060 | $71,928 | $7,868 |
| Year 10 | $138,323 | $155,313 | $16,990 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Churchill or Ipswich cheaper to live in?
Neither is named cheaper. Churchill runs $12,066 a year by car and Ipswich $13,548, but most of the $1,482 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $118. Source: SuburbCost 2026 data.
What are council rates in Churchill and Ipswich?
Annual council rates for a house are $1,298 in Churchill (Ipswich City Council) and $1,298 in Ipswich (Ipswich City Council). Water and sewerage adds $1,900 in Churchill and $1,900 in Ipswich. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Churchill and Ipswich?
Annual driving commute costs are $6,768 from Churchill and $6,650 from Ipswich to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Churchill and $192 from Ipswich.
What is the 10-year cost difference between Churchill and Ipswich?
At 3% annual cost growth, Churchill costs a cumulative $138,323 and Ipswich costs $155,313 over 10 years by car. The cumulative difference is $16,990 in favour of Churchill. Excludes purchase price, mortgage, and personal expenses.
Which of Churchill and Ipswich suits you better?
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Sources: Ipswich City Council and Ipswich 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.