Ninderry vs Yandina: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Ninderry and Yandina are both Sunshine Coast Council suburbs, sitting 16.9 km and 16.5 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Yandina runs $378 a year cheaper than Ninderry, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $4,334.
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 →Ninderry
Yandina
Annual cost breakdown
| Category | Ninderry | Yandina | Difference |
|---|---|---|---|
| Council rates | $1,771 | $1,771 | - |
| Water & sewerage | $2,094 | $2,094 | - |
| Commute (driving) | $4,504 | $4,426 | +$78 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,200 | $2,900 | +$300 |
| Body corporate (unit) | $2,000 | $1,800 | +$200 |
| Total (driving) | $11,569 | $11,191 | +$378 |
| Total (public transport) | $7,257 | $6,957 | +$300 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Ninderry | Yandina | 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 — Ninderry vs Yandina (2026-27)
What the numbers show
Yandina costs $378 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,334 in favour of Yandina.
The biggest single gap is home insurance at $300 per year.
On public transport the gap is $300 per year, $7,257 from Ninderry versus $6,957 from Yandina.
10-year cumulative cost projection
| Year | Ninderry cumulative | Yandina cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,569 | $11,191 | $378 |
| Year 3 | $35,759 | $34,590 | $1,169 |
| Year 5 | $61,421 | $59,415 | $2,006 |
| Year 10 | $132,626 | $128,292 | $4,334 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ninderry or Yandina cheaper to live in?
Yandina is cheaper to run by car at $11,191 per year versus $11,569 for Ninderry, a difference of $378 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Ninderry and Yandina?
Annual council rates for a house are $1,771 in Ninderry (Sunshine Coast Council) and $1,771 in Yandina (Sunshine Coast Council). Water and sewerage adds $2,094 in Ninderry and $2,094 in Yandina. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Ninderry and Yandina?
Annual driving commute costs are $4,504 from Ninderry and $4,426 from Yandina to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Ninderry and $192 from Yandina.
What is the 10-year cost difference between Ninderry and Yandina?
At 3% annual cost growth, Ninderry costs a cumulative $132,626 and Yandina costs $128,292 over 10 years by car. The cumulative difference is $4,334 in favour of Yandina. Excludes purchase price, mortgage, and personal expenses.
Which of Ninderry and Yandina 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: Sunshine Coast Council and Sunshine Coast 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.