Mossman vs Mossman Gorge: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Mossman and Mossman Gorge are both Cairns Regional Council suburbs, sitting 67.5 km and 67.1 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $192 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 →Mossman
Mossman Gorge
Annual cost breakdown
| Category | Mossman | Mossman Gorge | Difference |
|---|---|---|---|
| Council rates | $1,165 | $1,165 | - |
| Water & sewerage | $1,765 | $1,765 | - |
| Commute (driving) | $3,564 | $3,656 | -$92 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $6,800 | $6,900 | -$100 |
| Body corporate (unit) | $1,800 | $1,700 | +$100 |
| Total (driving) | $13,294 | $13,486 | -$192 |
| Total (public transport) | $9,922 | $10,022 | -$100 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Mossman | Mossman Gorge | Difference |
|---|---|---|---|
| House | $2,218 | $2,218 | - |
| Unit | $1,773 | $1,773 | - |
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 — Mossman vs Mossman Gorge (2026-27)
What the numbers show
Mossman and Mossman Gorge cost within $192 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $2,201, 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, $9,922 and $10,022 a year, so the $192 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Mossman cumulative | Mossman Gorge cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,294 | $13,486 | $192 |
| Year 3 | $41,090 | $41,684 | $594 |
| Year 5 | $70,580 | $71,599 | $1,019 |
| Year 10 | $152,401 | $154,602 | $2,201 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mossman or Mossman Gorge cheaper to live in?
Mossman is cheaper to run by car at $13,294 per year versus $13,486 for Mossman Gorge, a difference of $192 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mossman and Mossman Gorge?
Annual council rates for a house are $1,165 in Mossman (Cairns Regional Council) and $1,165 in Mossman Gorge (Cairns Regional Council). Water and sewerage adds $1,765 in Mossman and $1,765 in Mossman Gorge. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Mossman and Mossman Gorge?
Annual driving commute costs are $3,564 from Mossman and $3,656 from Mossman Gorge to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Mossman and $192 from Mossman Gorge.
What is the 10-year cost difference between Mossman and Mossman Gorge?
At 3% annual cost growth, Mossman costs a cumulative $152,401 and Mossman Gorge costs $154,602 over 10 years by car. The cumulative difference is $2,201 in favour of Mossman. Excludes purchase price, mortgage, and personal expenses.
Which of Mossman and Mossman Gorge 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: Cairns Regional Council and Cairns Regional 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.