Hoya vs Templin: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Hoya and Templin are both Scenic Rim Regional Council suburbs, sitting 30.4 km and 33.8 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hoya runs $327 a year cheaper than Templin, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,748.
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 →Hoya
Templin
Annual cost breakdown
| Category | Hoya | Templin | Difference |
|---|---|---|---|
| Council rates | $1,376 | $1,376 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $6,369 | $6,596 | -$227 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,200 | $3,300 | -$100 |
| Body corporate (unit) | $1,500 | $1,500 | - |
| Total (driving) | $12,845 | $13,172 | -$327 |
| Total (public transport) | $6,668 | $6,768 | -$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Hoya | Templin | 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 — Hoya vs Templin (2026-27)
What the numbers show
Hoya costs $327 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,748 in favour of Hoya.
The biggest single gap is commute costs at $227 per year. Templin is 33.8 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, $6,668 and $6,768 a year, so the $327 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Hoya cumulative | Templin cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,845 | $13,172 | $327 |
| Year 3 | $39,703 | $40,713 | $1,010 |
| Year 5 | $68,196 | $69,932 | $1,736 |
| Year 10 | $147,254 | $151,002 | $3,748 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Hoya or Templin cheaper to live in?
Hoya is cheaper to run by car at $12,845 per year versus $13,172 for Templin, a difference of $327 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Hoya and Templin?
Annual council rates for a house are $1,376 in Hoya (Scenic Rim Regional Council) and $1,376 in Templin (Scenic Rim Regional Council). Water and sewerage adds $1,900 in Hoya and $1,900 in Templin. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Hoya and Templin?
Annual driving commute costs are $6,369 from Hoya and $6,596 from Templin to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Hoya and $192 from Templin.
What is the 10-year cost difference between Hoya and Templin?
At 3% annual cost growth, Hoya costs a cumulative $147,254 and Templin costs $151,002 over 10 years by car. The cumulative difference is $3,748 in favour of Hoya. Excludes purchase price, mortgage, and personal expenses.
Which of Hoya and Templin 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: Scenic Rim Regional Council and Scenic Rim Regional 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.