Dicky Beach vs Moffat Beach: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Dicky Beach and Moffat Beach are both Sunshine Coast Council suburbs, sitting 15.3 km and 16.3 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $105 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 →Dicky Beach
Moffat Beach
Annual cost breakdown
| Category | Dicky Beach | Moffat Beach | Difference |
|---|---|---|---|
| Council rates | $1,771 | $1,771 | - |
| Water & sewerage | $2,094 | $2,094 | - |
| Commute (driving) | $4,181 | $4,386 | -$205 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,300 | $2,200 | +$100 |
| Body corporate (unit) | $2,200 | $2,200 | - |
| Total (driving) | $10,346 | $10,451 | -$105 |
| Total (public transport) | $6,357 | $6,257 | +$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Dicky Beach | Moffat Beach | 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 — Dicky Beach vs Moffat Beach (2026-27)
What the numbers show
Dicky Beach and Moffat Beach cost within $105 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,204, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $205 per year. Moffat Beach is 16.3 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, $6,357 and $6,257 a year, so the $105 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Dicky Beach cumulative | Moffat Beach cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,346 | $10,451 | $105 |
| Year 3 | $31,978 | $32,303 | $325 |
| Year 5 | $54,928 | $55,486 | $558 |
| Year 10 | $118,605 | $119,809 | $1,204 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Dicky Beach or Moffat Beach cheaper to live in?
Dicky Beach is cheaper to run by car at $10,346 per year versus $10,451 for Moffat Beach, a difference of $105 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Dicky Beach and Moffat Beach?
Annual council rates for a house are $1,771 in Dicky Beach (Sunshine Coast Council) and $1,771 in Moffat Beach (Sunshine Coast Council). Water and sewerage adds $2,094 in Dicky Beach and $2,094 in Moffat Beach. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Dicky Beach and Moffat Beach?
Annual driving commute costs are $4,181 from Dicky Beach and $4,386 from Moffat Beach to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Dicky Beach and $192 from Moffat Beach.
What is the 10-year cost difference between Dicky Beach and Moffat Beach?
At 3% annual cost growth, Dicky Beach costs a cumulative $118,605 and Moffat Beach costs $119,809 over 10 years by car. The cumulative difference is $1,204 in favour of Dicky Beach. Excludes purchase price, mortgage, and personal expenses.
Which of Dicky Beach and Moffat Beach 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: Sunshine Coast Council and Sunshine Coast 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.