Kippa-Ring vs Woody Point, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Kippa-Ring and Woody Point are both Moreton Bay Regional Council suburbs, sitting 27.9 km and 25.1 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Woody Point runs $530 a year cheaper than Kippa-Ring, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $6,076.
Over 10 years, Woody Point costs about $6,100 less to run than Kippa-Ring. That's about $12 a week.
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Woody Point
Annual cost breakdown
| Category | Kippa-Ring | Woody Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $6,349 | $6,019 | +$330 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,300 | $2,100 | +$200 |
| Body corporate (unit) Estimated | $2,400 | $2,400 | - |
| Total (driving) | $12,102 | $11,572 | +$530 |
| Total (public transport) | $5,945 | $5,745 | +$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 | Kippa-Ring | Woody Point | 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, Kippa-Ring vs Woody Point (2026-27)
What the numbers show
Woody Point costs $530 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $6,076 in favour of Woody Point.
The biggest single gap is commute costs at $330 per year. Kippa-Ring is 27.9 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, $5,945 from Kippa-Ring versus $5,745 from Woody Point.
Where the difference actually comes from
- Council rates is identical at $1,309 a year.
- Water and sewerage is identical at $2,144 a year.
- Driving commute favours Woody Point by $330 a year, $6,019 against $6,349.
- Building insurance favours Woody Point by $200 a year, $2,100 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.
Flood risk is rated medium in Woody Point against low in Kippa-Ring, which feeds the insurance estimate. Fire risk is rated high in Kippa-Ring against low in Woody Point, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Kippa-Ring cumulative | Woody Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,102 | $11,572 | $530 |
| Year 3 | $37,406 | $35,768 | $1,638 |
| Year 5 | $64,251 | $61,437 | $2,814 |
| Year 10 | $138,736 | $132,660 | $6,076 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kippa-Ring or Woody Point cheaper to live in?
Woody Point is cheaper to run by car at $11,572 per year versus $12,102 for Kippa-Ring, a difference of $530 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kippa-Ring and Woody Point?
Annual council rates for a house are $1,309 in Kippa-Ring (Moreton Bay Regional Council) and $1,309 in Woody Point (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Kippa-Ring and $2,144 in Woody Point. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Kippa-Ring and Woody Point?
Annual driving commute costs are $6,349 from Kippa-Ring and $6,019 from Woody Point to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Kippa-Ring and $192 from Woody Point.
What is the 10-year cost difference between Kippa-Ring and Woody Point?
At 3% annual cost growth, Kippa-Ring costs a cumulative $138,736 and Woody Point costs $132,660 over 10 years by car. The cumulative difference is $6,076 in favour of Woody Point. Excludes purchase price, mortgage, and personal expenses.
Which of Kippa-Ring and Woody Point suits you better?
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Sources: Moreton Bay Regional Council and Moreton Bay 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.