Kippa-Ring vs Redcliffe: true annual running costs compared (2026)
Kippa-Ring and Redcliffe are both Moreton Bay Regional Council suburbs, sitting 27.9 km and 28.2 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Kippa-Ring
Redcliffe
Annual cost breakdown
| Category | Kippa-Ring | Redcliffe | Difference |
|---|---|---|---|
| Council rates | $1,577 | $1,577 | - |
| Water & sewerage | $2,074 | $2,074 | - |
| Commute (driving) | $11,880 | $11,880 | - |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,100 | $1,900 | +$1,200 |
| Body corporate (unit) | $2,400 | $2,800 | -$400 |
| Total (driving) | $18,631 | $17,431 | +$1,200 |
| Total (public transport) | $6,943 | $5,743 | +$1,200 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary.
Cost breakdown chart
Annual cost breakdown — Kippa-Ring vs Redcliffe (2025-26)
What the numbers show
Redcliffe costs $1,200 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $13,757 in favour of Redcliffe.
The biggest single gap is home insurance at $1,200 per year.
On public transport the gap shifts to $1,200 per year. Both suburbs pay a flat PT fare, so the difference in total PT cost reflects council rates and insurance rather than commute distance.
10-year cumulative cost projection
| Year | Kippa-Ring cumulative | Redcliffe cumulative | Difference |
|---|---|---|---|
| Year 1 | $18,631 | $17,431 | $1,200 |
| Year 3 | $57,587 | $53,877 | $3,710 |
| Year 5 | $98,915 | $92,544 | $6,371 |
| Year 10 | $213,584 | $199,827 | $13,757 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kippa-Ring or Redcliffe cheaper to live in?
Redcliffe is cheaper to run by car at $17,431 per year versus $18,631 for Kippa-Ring — a difference of $1,200 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2025-26 data.
What are council rates in Kippa-Ring and Redcliffe?
Annual council rates for a house are $1,577 in Kippa-Ring (Moreton Bay Regional Council 2025-26) and $1,577 in Redcliffe (Moreton Bay Regional Council 2025-26). Water and sewerage adds $2,074 in Kippa-Ring and $2,074 in Redcliffe.
How does the commute cost compare between Kippa-Ring and Redcliffe?
Annual driving commute costs are $11,880 from Kippa-Ring and $11,880 from Redcliffe to Brisbane CBD (ATO 88c/km, 220 working days). Public transport costs $192 from Kippa-Ring and $192 from Redcliffe.
What is the 10-year cost difference between Kippa-Ring and Redcliffe?
At 3% annual cost growth, Kippa-Ring costs a cumulative $213,584 and Redcliffe costs $199,827 over 10 years by car. The cumulative difference is $13,757 in favour of Redcliffe. Excludes purchase price, mortgage, and personal expenses.
Compare Kippa-Ring and Redcliffe in the tool
The SuburbCost comparison tool shows the full annual cost breakdown for both suburbs side by side. Toggle between driving and public transport to see which suburb comes out ahead for your commuting pattern.
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Sources: Moreton Bay Regional Council and Moreton Bay Regional Council rate schedules 2025-26, Queensland Urban Utilities / Unitywater 2025-26, ATO 88c/km, SuburbCost AI insurance estimates. Data updated July 2025.