Closeburn vs Yugar, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Closeburn and Yugar are both Moreton Bay Regional Council suburbs, sitting 22.4 km and 20.5 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Yugar runs $658 a year cheaper than Closeburn, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $7,543.
Over 10 years the gap between these two is about $7,500, about $15 a week, and most of it is the AI-estimated insurance line.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict → Personalise this comparison with your own commute, home type and loan → Neither quite right? Find the Brisbane suburbs that fit your budget →Closeburn
Yugar
Annual cost breakdown
| Category | Closeburn | Yugar | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $5,636 | $5,328 | +$308 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,750 | $2,400 | +$350 |
| Body corporate (unit) Estimated | $2,500 | $2,000 | +$500 |
| Total (driving) | $11,839 | $11,181 | +$658 |
| Total (public transport) | $6,395 | $6,045 | +$350 |
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 | Closeburn | Yugar | 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, Closeburn vs Yugar (2026-27)
What the numbers show
Closeburn and Yugar differ by $658 a year by car, but $350 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 $308, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year. Closeburn carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $350 per year, $6,395 from Closeburn versus $6,045 from Yugar.
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 Yugar by $308 a year, $5,328 against $5,636.
- Building insurance favours Yugar by $350 a year, $2,400 against $2,750.
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 medium in Closeburn against low in Yugar, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Closeburn cumulative | Yugar cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,839 | $11,181 | $658 |
| Year 3 | $36,593 | $34,559 | $2,034 |
| Year 5 | $62,855 | $59,361 | $3,494 |
| Year 10 | $135,721 | $128,178 | $7,543 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Closeburn or Yugar cheaper to live in?
Neither is named cheaper. Closeburn runs $11,839 a year by car and Yugar $11,181, but most of the $658 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $308. Source: SuburbCost 2026 data.
What are council rates in Closeburn and Yugar?
Annual council rates for a house are $1,309 in Closeburn (Moreton Bay Regional Council) and $1,309 in Yugar (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Closeburn and $2,144 in Yugar. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Closeburn and Yugar?
Annual driving commute costs are $5,636 from Closeburn and $5,328 from Yugar to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Closeburn and $192 from Yugar.
What is the 10-year cost difference between Closeburn and Yugar?
At 3% annual cost growth, Closeburn costs a cumulative $135,721 and Yugar costs $128,178 over 10 years by car. The cumulative difference is $7,543 in favour of Yugar. Excludes purchase price, mortgage, and personal expenses.
Which of Closeburn and Yugar suits you better?
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: 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.