Logan Reserve vs Waterford: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Logan Reserve and Waterford are both Logan City Council suburbs, sitting 28.7 km and 28.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $120 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 →Logan Reserve
Waterford
Annual cost breakdown
| Category | Logan Reserve | Waterford | Difference |
|---|---|---|---|
| Council rates | $1,699 | $1,699 | - |
| Water & sewerage | $2,149 | $2,149 | - |
| Commute (driving) | $6,431 | $6,451 | -$20 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,700 | $2,800 | -$100 |
| Body corporate (unit) | $2,200 | $2,200 | - |
| Total (driving) | $12,979 | $13,099 | -$120 |
| Total (public transport) | $6,740 | $6,840 | -$100 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Logan Reserve | Waterford | 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 — Logan Reserve vs Waterford (2026-27)
What the numbers show
Logan Reserve and Waterford cost within $120 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,375, 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, $6,740 and $6,840 a year, so the $120 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,699 a year.
- Water and sewerage is identical at $2,149 a year.
- Driving commute favours Logan Reserve by $20 a year, $6,431 against $6,451.
- Building insurance favours Logan Reserve by $100 a year, $2,700 against $2,800.
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 | Logan Reserve cumulative | Waterford cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,979 | $13,099 | $120 |
| Year 3 | $40,117 | $40,488 | $371 |
| Year 5 | $68,907 | $69,544 | $637 |
| Year 10 | $148,790 | $150,165 | $1,375 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Logan Reserve or Waterford cheaper to live in?
Logan Reserve is cheaper to run by car at $12,979 per year versus $13,099 for Waterford, a difference of $120 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Logan Reserve and Waterford?
Annual council rates for a house are $1,699 in Logan Reserve (Logan City Council) and $1,699 in Waterford (Logan City Council). Water and sewerage adds $2,149 in Logan Reserve and $2,149 in Waterford. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Logan Reserve and Waterford?
Annual driving commute costs are $6,431 from Logan Reserve and $6,451 from Waterford to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Logan Reserve and $192 from Waterford.
What is the 10-year cost difference between Logan Reserve and Waterford?
At 3% annual cost growth, Logan Reserve costs a cumulative $148,790 and Waterford costs $150,165 over 10 years by car. The cumulative difference is $1,375 in favour of Logan Reserve. Excludes purchase price, mortgage, and personal expenses.
Which of Logan Reserve and Waterford 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.
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Sources: Logan City Council and Logan 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.