Paddington vs West End: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Paddington and West End are both Brisbane City Council suburbs, sitting 2.9 km and 2.4 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Paddington runs $793 a year cheaper than West End, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,091.
Over 10 years, Paddington costs about $9,100 less to run than West End — the same as paying $9,100 less for the home. It's the cost no listing shows you.
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West End
Annual cost breakdown
| Category | Paddington | West End | Difference |
|---|---|---|---|
| Council rates | $1,579 | $1,579 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $944 | $787 | +$157 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $1,950 | $2,900 | -$950 |
| Body corporate (unit) | $3,500 | $5,500 | -$2,000 |
| Total (driving) | $6,373 | $7,166 | -$793 |
| Total (public transport) | $5,621 | $6,571 | -$950 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Paddington | West End | 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 — Paddington vs West End (2026-27)
What the numbers show
Paddington costs $793 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,091 in favour of Paddington.
The biggest single gap is home insurance at $950 per year. West End carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $950 per year, $5,621 from Paddington versus $6,571 from West End.
10-year cumulative cost projection
| Year | Paddington cumulative | West End cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,373 | $7,166 | $793 |
| Year 3 | $19,698 | $22,149 | $2,451 |
| Year 5 | $33,835 | $38,045 | $4,210 |
| Year 10 | $73,059 | $82,150 | $9,091 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Paddington or West End cheaper to live in?
Paddington is cheaper to run by car at $6,373 per year versus $7,166 for West End, a difference of $793 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Paddington and West End?
Annual council rates for a house are $1,579 in Paddington (Brisbane City Council) and $1,579 in West End (Brisbane City Council). Water and sewerage adds $1,900 in Paddington and $1,900 in West End. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Paddington and West End?
Annual driving commute costs are $944 from Paddington and $787 from West End to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Paddington and $192 from West End.
What is the 10-year cost difference between Paddington and West End?
At 3% annual cost growth, Paddington costs a cumulative $73,059 and West End costs $82,150 over 10 years by car. The cumulative difference is $9,091 in favour of Paddington. Excludes purchase price, mortgage, and personal expenses.
Which of Paddington and West End 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: Brisbane City Council and Brisbane City 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.