Keperra vs The Gap, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Keperra and The Gap are both Brisbane City Council suburbs, sitting 9.5 km and 8.7 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $16 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.
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The Gap
Annual cost breakdown
| Category | Keperra | The Gap | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $2,925 | $2,709 | +$216 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,000 | $2,200 | -$200 |
| Body corporate (unit) Estimated | $2,600 | $2,800 | -$200 |
| Total (driving) | $7,775 | $7,759 | +$16 |
| Total (public transport) | $5,042 | $5,242 | -$200 |
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 | Keperra | The Gap | 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, Keperra vs The Gap (2026-27)
What the numbers show
Keperra and The Gap cost within $16 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $184, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $216 per year. Keperra is 9.5 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $5,042 from Keperra versus $5,242 from The Gap.
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 The Gap by $216 a year, $2,709 against $2,925.
- Building insurance favours Keperra by $200 a year, $2,000 against $2,200.
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.
Flood risk is rated medium in Keperra against low in The Gap, which feeds the insurance estimate. The catchment state school scores 9.6 in The Gap against 7.4 in Keperra, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Keperra cumulative | The Gap cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,775 | $7,759 | $16 |
| Year 3 | $24,032 | $23,982 | $50 |
| Year 5 | $41,279 | $41,194 | $85 |
| Year 10 | $89,132 | $88,948 | $184 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Keperra or The Gap cheaper to live in?
The Gap is cheaper to run by car at $7,759 per year versus $7,775 for Keperra, a difference of $16 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Keperra and The Gap?
Annual council rates for a house are $950 in Keperra (Brisbane City Council) and $950 in The Gap (Brisbane City Council). Water and sewerage adds $1,900 in Keperra and $1,900 in The Gap. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Keperra and The Gap?
Annual driving commute costs are $2,925 from Keperra and $2,709 from The Gap to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Keperra and $192 from The Gap.
What is the 10-year cost difference between Keperra and The Gap?
At 3% annual cost growth, Keperra costs a cumulative $89,132 and The Gap costs $88,948 over 10 years by car. The cumulative difference is $184 in favour of The Gap. Excludes purchase price, mortgage, and personal expenses.
Which of Keperra and The Gap 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.