Moggill vs Redbank: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Moggill (Brisbane City Council) and Redbank (Ipswich City Council) attract comparison from buyers considering suburbs across different council areas at similar distances from Brisbane CBD (19 km and 21 km).
The two sit within $43 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 →Moggill
Redbank
Annual cost breakdown
| Category | Moggill | Redbank | Difference |
|---|---|---|---|
| Council rates | $1,579 | $1,298 | +$281 |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $4,896 | $5,234 | -$338 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,000 | $2,900 | +$100 |
| Body corporate (unit) | $2,400 | $2,200 | +$200 |
| Total (driving) | $11,375 | $11,332 | +$43 |
| Total (public transport) | $6,671 | $6,290 | +$381 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Moggill | Redbank | 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 — Moggill vs Redbank (2026-27)
What the numbers show
Moggill and Redbank cost within $43 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $493, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $338 per year. Redbank is 21 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $381 per year, $6,671 from Moggill versus $6,290 from Redbank.
10-year cumulative cost projection
| Year | Moggill cumulative | Redbank cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,375 | $11,332 | $43 |
| Year 3 | $35,159 | $35,026 | $133 |
| Year 5 | $60,391 | $60,163 | $228 |
| Year 10 | $130,402 | $129,909 | $493 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Moggill or Redbank cheaper to live in?
Redbank is cheaper to run by car at $11,332 per year versus $11,375 for Moggill, a difference of $43 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Moggill and Redbank?
Annual council rates for a house are $1,579 in Moggill (Brisbane City Council) and $1,298 in Redbank (Ipswich City Council). Water and sewerage adds $1,900 in Moggill and $1,900 in Redbank. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Moggill and Redbank?
Annual driving commute costs are $4,896 from Moggill and $5,234 from Redbank to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Moggill and $192 from Redbank.
What is the 10-year cost difference between Moggill and Redbank?
At 3% annual cost growth, Moggill costs a cumulative $130,402 and Redbank costs $129,909 over 10 years by car. The cumulative difference is $493 in favour of Redbank. Excludes purchase price, mortgage, and personal expenses.
Which of Moggill and Redbank 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: Brisbane City Council and Ipswich 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.