Mount Irving vs Yargullen: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Mount Irving and Yargullen are both Toowoomba Regional Council suburbs, sitting 36.9 km and 35.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $81 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 →Mount Irving
Yargullen
Annual cost breakdown
| Category | Mount Irving | Yargullen | Difference |
|---|---|---|---|
| Council rates | $1,444 | $1,444 | - |
| Water & sewerage | $2,188 | $2,188 | - |
| Commute (driving) | $6,718 | $6,687 | +$31 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,100 | $2,050 | +$50 |
| Body corporate (unit) | $1,500 | $1,400 | +$100 |
| Total (driving) | $12,450 | $12,369 | +$81 |
| Total (public transport) | $5,924 | $5,874 | +$50 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Mount Irving | Yargullen | Difference |
|---|---|---|---|
| House | $2,115 | $2,115 | - |
| Unit | $1,696 | $1,696 | - |
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 — Mount Irving vs Yargullen (2026-27)
What the numbers show
Mount Irving and Yargullen cost within $81 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $928, making running cost a minor factor in the decision.
The biggest single gap is home insurance at $50 per year.
On public transport the two suburbs cost almost the same, $5,924 and $5,874 a year, so the $81 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Mount Irving cumulative | Yargullen cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,450 | $12,369 | $81 |
| Year 3 | $38,482 | $38,231 | $251 |
| Year 5 | $66,099 | $65,669 | $430 |
| Year 10 | $142,725 | $141,797 | $928 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Mount Irving or Yargullen cheaper to live in?
Yargullen is cheaper to run by car at $12,369 per year versus $12,450 for Mount Irving, a difference of $81 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Mount Irving and Yargullen?
Annual council rates for a house are $1,444 in Mount Irving (Toowoomba Regional Council) and $1,444 in Yargullen (Toowoomba Regional Council). Water and sewerage adds $2,188 in Mount Irving and $2,188 in Yargullen. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Mount Irving and Yargullen?
Annual driving commute costs are $6,718 from Mount Irving and $6,687 from Yargullen to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Mount Irving and $192 from Yargullen.
What is the 10-year cost difference between Mount Irving and Yargullen?
At 3% annual cost growth, Mount Irving costs a cumulative $142,725 and Yargullen costs $141,797 over 10 years by car. The cumulative difference is $928 in favour of Yargullen. Excludes purchase price, mortgage, and personal expenses.
Which of Mount Irving and Yargullen 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: Toowoomba Regional Council and Toowoomba 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.