Kilcoy vs Winya: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Kilcoy and Winya are both Somerset Regional Council suburbs, sitting 35.9 km and 35.5 km from Esk CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $115 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. 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 →Kilcoy
Winya
Annual cost breakdown
| Category | Kilcoy | Winya | Difference |
|---|---|---|---|
| Council rates | $1,284 | $1,284 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $6,915 | $6,900 | +$15 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,900 | $2,800 | +$100 |
| Body corporate (unit) | $1,600 | $1,400 | +$200 |
| Total (driving) | $12,999 | $12,884 | +$115 |
| Total (public transport) | $6,276 | $6,176 | +$100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Kilcoy | Winya | 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 — Kilcoy vs Winya (2026-27)
What the numbers show
Kilcoy and Winya cost within $115 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,318, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $100 per year.
On public transport the two suburbs cost almost the same, $6,276 and $6,176 a year, so the $115 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,284 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Winya by $15 a year, $6,900 against $6,915.
- Building insurance favours Winya by $100 a year, $2,800 against $2,900.
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.
10-year cumulative cost projection
| Year | Kilcoy cumulative | Winya cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,999 | $12,884 | $115 |
| Year 3 | $40,179 | $39,823 | $356 |
| Year 5 | $69,013 | $68,403 | $610 |
| Year 10 | $149,019 | $147,701 | $1,318 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kilcoy or Winya cheaper to live in?
Winya is cheaper to run by car at $12,884 per year versus $12,999 for Kilcoy, a difference of $115 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kilcoy and Winya?
Annual council rates for a house are $1,284 in Kilcoy (Somerset Regional Council) and $1,284 in Winya (Somerset Regional Council). Water and sewerage adds $1,900 in Kilcoy and $1,900 in Winya. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Kilcoy and Winya?
Annual driving commute costs are $6,915 from Kilcoy and $6,900 from Winya to Esk CBD (ATO 91c/km). Public transport costs $192 from Kilcoy and $192 from Winya.
What is the 10-year cost difference between Kilcoy and Winya?
At 3% annual cost growth, Kilcoy costs a cumulative $149,019 and Winya costs $147,701 over 10 years by car. The cumulative difference is $1,318 in favour of Winya. Excludes purchase price, mortgage, and personal expenses.
Which of Kilcoy and Winya 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: Somerset Regional Council and Somerset Regional 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.