Currajong vs Garbutt: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Currajong and Garbutt are both Townsville City Council suburbs, sitting 4.3 km and 5.3 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Currajong runs $397 a year cheaper than Garbutt, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $4,551.
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 →Currajong
Garbutt
Annual cost breakdown
| Category | Currajong | Garbutt | Difference |
|---|---|---|---|
| Council rates | $1,343 | $1,343 | - |
| Water & sewerage | $2,099 | $2,099 | - |
| Commute (driving) | $1,375 | $1,672 | -$297 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $4,500 | $4,600 | -$100 |
| Body corporate (unit) | $2,200 | $2,400 | -$200 |
| Total (driving) | $9,317 | $9,714 | -$397 |
| Total (public transport) | $8,134 | $8,234 | -$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Currajong | Garbutt | Difference |
|---|---|---|---|
| House | $2,218 | $2,218 | - |
| Unit | $1,773 | $1,773 | - |
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 — Currajong vs Garbutt (2026-27)
What the numbers show
Currajong costs $397 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,551 in favour of Currajong.
The biggest single gap is commute costs at $297 per year. Garbutt is 5.3 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, $8,134 and $8,234 a year, so the $397 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Currajong cumulative | Garbutt cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,317 | $9,714 | $397 |
| Year 3 | $28,798 | $30,025 | $1,227 |
| Year 5 | $49,465 | $51,573 | $2,108 |
| Year 10 | $106,809 | $111,360 | $4,551 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Currajong or Garbutt cheaper to live in?
Currajong is cheaper to run by car at $9,317 per year versus $9,714 for Garbutt, a difference of $397 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Currajong and Garbutt?
Annual council rates for a house are $1,343 in Currajong (Townsville City Council) and $1,343 in Garbutt (Townsville City Council). Water and sewerage adds $2,099 in Currajong and $2,099 in Garbutt. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Currajong and Garbutt?
Annual driving commute costs are $1,375 from Currajong and $1,672 from Garbutt to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Currajong and $192 from Garbutt.
What is the 10-year cost difference between Currajong and Garbutt?
At 3% annual cost growth, Currajong costs a cumulative $106,809 and Garbutt costs $111,360 over 10 years by car. The cumulative difference is $4,551 in favour of Currajong. Excludes purchase price, mortgage, and personal expenses.
Which of Currajong and Garbutt 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.
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Sources: Townsville City Council and Townsville City 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.