Moores Pocket vs North Tivoli, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Moores Pocket and North Tivoli are both Ipswich City Council suburbs, sitting 27.9 km and 26.2 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Moores Pocket runs $508 a year cheaper than North Tivoli, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $5,824.
Over 10 years the gap between these two is about $5,800, about $11 a week, and most of it is the AI-estimated insurance line.
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North Tivoli
Annual cost breakdown
| Category | Moores Pocket | North Tivoli | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,298 | $1,298 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $6,349 | $6,157 | +$192 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $1,450 | $2,150 | -$700 |
| Body corporate (unit) Estimated | $2,200 | $2,700 | -$500 |
| Total (driving) | $10,997 | $11,505 | -$508 |
| Total (public transport) | $4,840 | $5,540 | -$700 |
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 | Moores Pocket | North Tivoli | 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, Moores Pocket vs North Tivoli (2026-27)
What the numbers show
Moores Pocket and North Tivoli differ by $508 a year by car, but $700 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $192, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $700 per year.
On public transport the gap is $700 per year, $4,840 from Moores Pocket versus $5,540 from North Tivoli.
Where the difference actually comes from
- Council rates is identical at $1,298 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours North Tivoli by $192 a year, $6,157 against $6,349.
- Building insurance favours Moores Pocket by $700 a year, $1,450 against $2,150.
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.
Fire risk is rated high in North Tivoli against medium in Moores Pocket, which feeds the insurance estimate.
10-year cumulative cost projection
| Year | Moores Pocket cumulative | North Tivoli cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,997 | $11,505 | $508 |
| Year 3 | $33,991 | $35,561 | $1,570 |
| Year 5 | $58,385 | $61,082 | $2,697 |
| Year 10 | $126,068 | $131,892 | $5,824 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Moores Pocket or North Tivoli cheaper to live in?
Neither is named cheaper. Moores Pocket runs $10,997 a year by car and North Tivoli $11,505, but most of the $508 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $192. Source: SuburbCost 2026 data.
What are council rates in Moores Pocket and North Tivoli?
Annual council rates for a house are $1,298 in Moores Pocket (Ipswich City Council) and $1,298 in North Tivoli (Ipswich City Council). Water and sewerage adds $1,900 in Moores Pocket and $1,900 in North Tivoli. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Moores Pocket and North Tivoli?
Annual driving commute costs are $6,349 from Moores Pocket and $6,157 from North Tivoli to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Moores Pocket and $192 from North Tivoli.
What is the 10-year cost difference between Moores Pocket and North Tivoli?
At 3% annual cost growth, Moores Pocket costs a cumulative $126,068 and North Tivoli costs $131,892 over 10 years by car. The cumulative difference is $5,824 in favour of Moores Pocket. Excludes purchase price, mortgage, and personal expenses.
Which of Moores Pocket and North Tivoli suits you better?
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Sources: Ipswich City Council and Ipswich City 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.