Racecourse vs Te Kowai: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Racecourse and Te Kowai are both Mackay Regional Council suburbs, sitting 5.4 km and 7.8 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Racecourse runs $677 a year cheaper than Te Kowai, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $7,761.
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 →Racecourse
Te Kowai
Annual cost breakdown
| Category | Racecourse | Te Kowai | Difference |
|---|---|---|---|
| Council rates | $1,466 | $1,466 | - |
| Water & sewerage | $2,048 | $2,048 | - |
| Commute (driving) | $1,702 | $2,379 | -$677 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $4,800 | $4,800 | - |
| Body corporate (unit) | $2,200 | $1,800 | +$400 |
| Total (driving) | $10,016 | $10,693 | -$677 |
| Total (public transport) | $8,506 | $8,506 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Racecourse | Te Kowai | 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 — Racecourse vs Te Kowai (2026-27)
What the numbers show
Racecourse costs $677 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $7,761 in favour of Racecourse.
The biggest single gap is commute costs at $677 per year. Te Kowai is 7.8 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,506 and $8,506 a year, so the $677 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Racecourse cumulative | Te Kowai cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,016 | $10,693 | $677 |
| Year 3 | $30,958 | $33,051 | $2,093 |
| Year 5 | $53,176 | $56,771 | $3,595 |
| Year 10 | $114,822 | $122,583 | $7,761 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Racecourse or Te Kowai cheaper to live in?
Racecourse is cheaper to run by car at $10,016 per year versus $10,693 for Te Kowai, a difference of $677 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Racecourse and Te Kowai?
Annual council rates for a house are $1,466 in Racecourse (Mackay Regional Council) and $1,466 in Te Kowai (Mackay Regional Council). Water and sewerage adds $2,048 in Racecourse and $2,048 in Te Kowai. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Racecourse and Te Kowai?
Annual driving commute costs are $1,702 from Racecourse and $2,379 from Te Kowai to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Racecourse and $192 from Te Kowai.
What is the 10-year cost difference between Racecourse and Te Kowai?
At 3% annual cost growth, Racecourse costs a cumulative $114,822 and Te Kowai costs $122,583 over 10 years by car. The cumulative difference is $7,761 in favour of Racecourse. Excludes purchase price, mortgage, and personal expenses.
Which of Racecourse and Te Kowai 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: Mackay Regional Council and Mackay 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.