Lutwyche vs Windsor: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Lutwyche and Windsor are both Brisbane City Council suburbs, sitting 5.4 km and 4 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $268 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 →Lutwyche
Windsor
Annual cost breakdown
| Category | Lutwyche | Windsor | Difference |
|---|---|---|---|
| Council rates | $1,579 | $1,579 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $1,702 | $1,284 | +$418 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $1,750 | $1,900 | -$150 |
| Body corporate (unit) | $3,200 | $3,200 | - |
| Total (driving) | $6,931 | $6,663 | +$268 |
| Total (public transport) | $5,421 | $5,571 | -$150 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Lutwyche | Windsor | Difference |
|---|---|---|---|
| House | $1,976 | $1,976 | - |
| Unit | $1,591 | $1,591 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Lutwyche vs Windsor (2026-27)
What the numbers show
Lutwyche and Windsor cost within $268 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,072, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $418 per year. Lutwyche is 5.4 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $5,421 and $5,571 a year, so the $268 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Lutwyche cumulative | Windsor cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,931 | $6,663 | $268 |
| Year 3 | $21,423 | $20,595 | $828 |
| Year 5 | $36,798 | $35,375 | $1,423 |
| Year 10 | $79,456 | $76,384 | $3,072 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Lutwyche or Windsor cheaper to live in?
Windsor is cheaper to run by car at $6,663 per year versus $6,931 for Lutwyche, a difference of $268 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Lutwyche and Windsor?
Annual council rates for a house are $1,579 in Lutwyche (Brisbane City Council) and $1,579 in Windsor (Brisbane City Council). Water and sewerage adds $1,900 in Lutwyche and $1,900 in Windsor. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Lutwyche and Windsor?
Annual driving commute costs are $1,702 from Lutwyche and $1,284 from Windsor to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Lutwyche and $192 from Windsor.
What is the 10-year cost difference between Lutwyche and Windsor?
At 3% annual cost growth, Lutwyche costs a cumulative $79,456 and Windsor costs $76,384 over 10 years by car. The cumulative difference is $3,072 in favour of Windsor. Excludes purchase price, mortgage, and personal expenses.
Which of Lutwyche and Windsor 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.