Keperra vs Upper Kedron: 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 Upper Kedron are both Brisbane City Council suburbs, sitting 9.5 km and 12 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Keperra runs $940 a year cheaper than Upper Kedron, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $10,776.
Over 10 years, Keperra costs about $10,800 less to run than Upper Kedron — the same as paying $10,800 less for the home. It's the cost no listing shows you.
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Upper Kedron
Annual cost breakdown
| Category | Keperra | Upper Kedron | Difference |
|---|---|---|---|
| Council rates | $950 | $950 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $2,925 | $3,565 | -$640 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,900 | $3,200 | -$300 |
| Body corporate (unit) | $2,600 | $2,800 | -$200 |
| Total (driving) | $8,675 | $9,615 | -$940 |
| Total (public transport) | $5,942 | $6,242 | -$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Keperra | Upper Kedron | 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 Upper Kedron (2026-27)
What the numbers show
Keperra costs $940 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $10,776 in favour of Keperra.
The biggest single gap is commute costs at $640 per year. Upper Kedron is 12 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $300 per year, $5,942 from Keperra versus $6,242 from Upper Kedron.
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 Keperra by $640 a year, $2,925 against $3,565.
- Building insurance favours Keperra by $300 a year, $2,900 against $3,200.
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 Upper Kedron, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Keperra cumulative | Upper Kedron cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,675 | $9,615 | $940 |
| Year 3 | $26,814 | $29,719 | $2,905 |
| Year 5 | $46,057 | $51,047 | $4,990 |
| Year 10 | $99,449 | $110,225 | $10,776 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Keperra or Upper Kedron cheaper to live in?
Keperra is cheaper to run by car at $8,675 per year versus $9,615 for Upper Kedron, a difference of $940 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Keperra and Upper Kedron?
Annual council rates for a house are $950 in Keperra (Brisbane City Council) and $950 in Upper Kedron (Brisbane City Council). Water and sewerage adds $1,900 in Keperra and $1,900 in Upper Kedron. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Keperra and Upper Kedron?
Annual driving commute costs are $2,925 from Keperra and $3,565 from Upper Kedron to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Keperra and $192 from Upper Kedron.
What is the 10-year cost difference between Keperra and Upper Kedron?
At 3% annual cost growth, Keperra costs a cumulative $99,449 and Upper Kedron costs $110,225 over 10 years by car. The cumulative difference is $10,776 in favour of Keperra. Excludes purchase price, mortgage, and personal expenses.
Which of Keperra and Upper Kedron 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: 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 AI insurance estimates. Data updated July 2026.