Hampton vs Perseverance, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Hampton and Perseverance are both Toowoomba Regional Council suburbs, sitting 24.1 km and 25.9 km from Toowoomba CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Perseverance runs $364 a year cheaper than Hampton, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,173.
Over 10 years the gap between these two is about $4,200, about $8 a week, and most of it is the AI-estimated insurance line.
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Perseverance
Annual cost breakdown
| Category | Hampton | Perseverance | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,444 | $1,444 | - |
| Water & sewerage Official, 2026-27 | $2,188 | $2,188 | - |
| Commute (driving) Modelled, 2026-27 | $5,885 | $6,121 | -$236 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,650 | $2,050 | +$600 |
| Body corporate (unit) Estimated | $1,600 | $1,600 | - |
| Total (driving) | $12,167 | $11,803 | +$364 |
| Total (public transport) | $6,474 | $5,874 | +$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 | Hampton | Perseverance | Difference |
|---|---|---|---|
| House | $2,274 | $2,274 | - |
| Unit | $1,870 | $1,870 | - |
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, Hampton vs Perseverance (2026-27)
What the numbers show
Hampton and Perseverance differ by $364 a year by car, but $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 $236, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $600 per year.
On public transport the gap is $600 per year, $6,474 from Hampton versus $5,874 from Perseverance.
Where the difference actually comes from
- Council rates is identical at $1,444 a year.
- Water and sewerage is identical at $2,188 a year.
- Driving commute favours Hampton by $236 a year, $5,885 against $6,121.
- Building insurance favours Perseverance by $600 a year, $2,050 against $2,650.
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 medium in Hampton against low in Perseverance, which feeds the insurance estimate. The catchment state school scores 6.3 in Hampton against 4 in Perseverance, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Hampton cumulative | Perseverance cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,167 | $11,803 | $364 |
| Year 3 | $37,607 | $36,482 | $1,125 |
| Year 5 | $64,596 | $62,664 | $1,932 |
| Year 10 | $139,481 | $135,308 | $4,173 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hampton or Perseverance cheaper to live in?
Neither is named cheaper. Hampton runs $12,167 a year by car and Perseverance $11,803, but most of the $364 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $236. Source: SuburbCost 2026 data.
What are council rates in Hampton and Perseverance?
Annual council rates for a house are $1,444 in Hampton (Toowoomba Regional Council) and $1,444 in Perseverance (Toowoomba Regional Council). Water and sewerage adds $2,188 in Hampton and $2,188 in Perseverance. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Hampton and Perseverance?
Annual driving commute costs are $5,885 from Hampton and $6,121 from Perseverance to Toowoomba CBD (ATO 91c/km). Public transport costs $192 from Hampton and $192 from Perseverance.
What is the 10-year cost difference between Hampton and Perseverance?
At 3% annual cost growth, Hampton costs a cumulative $139,481 and Perseverance costs $135,308 over 10 years by car. The cumulative difference is $4,173 in favour of Perseverance. Excludes purchase price, mortgage, and personal expenses.
Which of Hampton and Perseverance suits you better?
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Sources: Toowoomba Regional Council and Toowoomba 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.