Ninderry vs Yandina, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Ninderry and Yandina are both Sunshine Coast Council suburbs, sitting 16.9 km and 16.5 km from Maroochydore CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $281 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 the gap between these two is about $3,200, about $6 a week, and most of it is the AI-estimated insurance line.
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Yandina
Annual cost breakdown
| Category | Ninderry | Yandina | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,771 | $1,771 | - |
| Water & sewerage Official, 2026-27 | $2,094 | $2,094 | - |
| Commute (driving) Modelled, 2026-27 | $4,658 | $4,577 | +$81 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,250 | $2,050 | +$200 |
| Body corporate (unit) Estimated | $2,000 | $1,800 | +$200 |
| Total (driving) | $10,773 | $10,492 | +$281 |
| Total (public transport) | $6,307 | $6,107 | +$200 |
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 | Ninderry | Yandina | 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, Ninderry vs Yandina (2026-27)
What the numbers show
Ninderry and Yandina differ by $281 a year by car, but $200 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 $81, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $200 per year.
On public transport the gap is $200 per year, $6,307 from Ninderry versus $6,107 from Yandina.
Where the difference actually comes from
- Council rates is identical at $1,771 a year.
- Water and sewerage is identical at $2,094 a year.
- Driving commute favours Yandina by $81 a year, $4,577 against $4,658.
- Building insurance favours Yandina by $200 a year, $2,050 against $2,250.
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.
10-year cumulative cost projection
| Year | Ninderry cumulative | Yandina cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,773 | $10,492 | $281 |
| Year 3 | $33,298 | $32,430 | $868 |
| Year 5 | $57,195 | $55,703 | $1,492 |
| Year 10 | $123,500 | $120,279 | $3,221 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Ninderry or Yandina cheaper to live in?
Neither is named cheaper. Ninderry runs $10,773 a year by car and Yandina $10,492, but most of the $281 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $81. 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 $4,658 from Ninderry and $4,577 from Yandina to Maroochydore CBD (ATO 91c/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 $123,500 and Yandina costs $120,279 over 10 years by car. The cumulative difference is $3,221 in favour of Yandina. Excludes purchase price, mortgage, and personal expenses.
Which of Ninderry and Yandina suits you better?
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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 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.