Ellen Grove vs Richlands, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Ellen Grove and Richlands are both Brisbane City Council suburbs, sitting 18.1 km and 15 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Richlands runs $1,436 a year cheaper than Ellen Grove, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $16,463.
Over 10 years the gap between these two is about $16,500, about $32 a week, and most of it is the AI-estimated insurance line.
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Richlands
Annual cost breakdown
| Category | Ellen Grove | Richlands | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $4,894 | $4,258 | +$636 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,150 | $1,350 | +$800 |
| Body corporate (unit) Estimated | $2,500 | $2,600 | -$100 |
| Total (driving) | $9,894 | $8,458 | +$1,436 |
| Total (public transport) | $5,192 | $4,392 | +$800 |
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 | Ellen Grove | Richlands | 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, Ellen Grove vs Richlands (2026-27)
What the numbers show
Ellen Grove and Richlands differ by $1,436 a year by car, but $800 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 $636, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $800 per year.
On public transport the gap is $800 per year, $5,192 from Ellen Grove versus $4,392 from Richlands.
Where the difference actually comes from
- Council rates is identical at $950 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Richlands by $636 a year, $4,258 against $4,894.
- Building insurance favours Richlands by $800 a year, $1,350 against $2,150.
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.
Fire risk is rated high in Ellen Grove against medium in Richlands, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Ellen Grove cumulative | Richlands cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,894 | $8,458 | $1,436 |
| Year 3 | $30,581 | $26,143 | $4,438 |
| Year 5 | $52,529 | $44,905 | $7,624 |
| Year 10 | $113,424 | $96,961 | $16,463 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ellen Grove or Richlands cheaper to live in?
Neither is named cheaper. Ellen Grove runs $9,894 a year by car and Richlands $8,458, but most of the $1,436 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $636. Source: SuburbCost 2026 data.
What are council rates in Ellen Grove and Richlands?
Annual council rates for a house are $950 in Ellen Grove (Brisbane City Council) and $950 in Richlands (Brisbane City Council). Water and sewerage adds $1,900 in Ellen Grove and $1,900 in Richlands. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Ellen Grove and Richlands?
Annual driving commute costs are $4,894 from Ellen Grove and $4,258 from Richlands to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Ellen Grove and $192 from Richlands.
What is the 10-year cost difference between Ellen Grove and Richlands?
At 3% annual cost growth, Ellen Grove costs a cumulative $113,424 and Richlands costs $96,961 over 10 years by car. The cumulative difference is $16,463 in favour of Richlands. Excludes purchase price, mortgage, and personal expenses.
Which of Ellen Grove and Richlands suits you better?
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Sources: Brisbane City Council and Brisbane 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.