Hoya vs Templin, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/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 Beaudesert CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Hoya runs $335 a year cheaper than Templin, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,841.
Over 10 years, Hoya costs about $3,800 less to run than Templin. That's about $7 a week.
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Templin
Annual cost breakdown
| Category | Hoya | Templin | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,376 | $1,376 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $6,586 | $6,821 | -$235 |
| Commute (public transport) Modelled, 2026-27 | $6,586 | $6,821 | -$235 |
| Home insurance Estimated | $2,200 | $2,300 | -$100 |
| Body corporate (unit) Estimated | $1,500 | $1,500 | - |
| Total (driving) | $12,062 | $12,397 | -$335 |
| Total (public transport) | $12,062 | $12,397 | -$335 |
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 | Hoya | Templin | 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, Hoya vs Templin (2026-27)
What the numbers show
Hoya costs $335 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,841 in favour of Hoya.
The biggest single gap is commute costs at $235 per year. Templin is 33.8 km from Beaudesert CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $335 per year, $12,062 from Hoya versus $12,397 from Templin.
Where the difference actually comes from
- Council rates is identical at $1,376 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Hoya by $235 a year, $6,586 against $6,821.
- Building insurance favours Hoya by $100 a year, $2,200 against $2,300.
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.
The catchment state school scores 6.4 in Templin against 4.7 in Hoya, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Hoya cumulative | Templin cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,062 | $12,397 | $335 |
| Year 3 | $37,282 | $38,318 | $1,036 |
| Year 5 | $64,039 | $65,817 | $1,778 |
| Year 10 | $138,277 | $142,118 | $3,841 |
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 $12,062 per year versus $12,397 for Templin, a difference of $335 annually. Figures cover council rates, water, commute (ATO 91c/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 $6,586 from Hoya and $6,821 from Templin to Beaudesert CBD (ATO 91c/km). No daily public transport commute is assumed from either suburb, so both are costed by car.
What is the 10-year cost difference between Hoya and Templin?
At 3% annual cost growth, Hoya costs a cumulative $138,277 and Templin costs $142,118 over 10 years by car. The cumulative difference is $3,841 in favour of Hoya. Excludes purchase price, mortgage, and personal expenses.
Which of Hoya and Templin suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.