Redcliffe vs Woody Point, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Redcliffe and Woody Point are both Moreton Bay Regional Council suburbs, sitting 28.2 km and 25.1 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Redcliffe runs $339 a year cheaper than Woody Point, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,886.
Over 10 years the gap between these two is about $3,900, about $7 a week, and most of it is the AI-estimated insurance line.
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Woody Point
Annual cost breakdown
| Category | Redcliffe | Woody Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,309 | $1,309 | - |
| Water & sewerage Official, 2026-27 | $2,144 | $2,144 | - |
| Commute (driving) Modelled, 2026-27 | $6,380 | $6,019 | +$361 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $1,400 | $2,100 | -$700 |
| Body corporate (unit) Estimated | $2,800 | $2,400 | +$400 |
| Total (driving) | $11,233 | $11,572 | -$339 |
| Total (public transport) | $5,045 | $5,745 | -$700 |
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 | Redcliffe | Woody Point | 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, Redcliffe vs Woody Point (2026-27)
What the numbers show
Redcliffe and Woody Point differ by $339 a year by car, but $700 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 $361, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $700 per year. Woody Point carries medium flood risk, which pushes estimated premiums higher.
On public transport the gap is $700 per year, $5,045 from Redcliffe versus $5,745 from Woody Point.
Where the difference actually comes from
- Council rates is identical at $1,309 a year.
- Water and sewerage is identical at $2,144 a year.
- Driving commute favours Woody Point by $361 a year, $6,019 against $6,380.
- Building insurance favours Redcliffe by $700 a year, $1,400 against $2,100.
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.
Flood risk is rated medium in Woody Point against low in Redcliffe, which feeds the insurance estimate. The catchment state school scores 6.4 in Redcliffe against 5.3 in Woody Point, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Redcliffe cumulative | Woody Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,233 | $11,572 | $339 |
| Year 3 | $34,720 | $35,768 | $1,048 |
| Year 5 | $59,638 | $61,437 | $1,799 |
| Year 10 | $128,774 | $132,660 | $3,886 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Redcliffe or Woody Point cheaper to live in?
Neither is named cheaper. Redcliffe runs $11,233 a year by car and Woody Point $11,572, but most of the $339 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $361. Source: SuburbCost 2026 data.
What are council rates in Redcliffe and Woody Point?
Annual council rates for a house are $1,309 in Redcliffe (Moreton Bay Regional Council) and $1,309 in Woody Point (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Redcliffe and $2,144 in Woody Point. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Redcliffe and Woody Point?
Annual driving commute costs are $6,380 from Redcliffe and $6,019 from Woody Point to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Redcliffe and $192 from Woody Point.
What is the 10-year cost difference between Redcliffe and Woody Point?
At 3% annual cost growth, Redcliffe costs a cumulative $128,774 and Woody Point costs $132,660 over 10 years by car. The cumulative difference is $3,886 in favour of Redcliffe. Excludes purchase price, mortgage, and personal expenses.
Which of Redcliffe and Woody Point suits you better?
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Sources: Moreton Bay Regional Council and Moreton Bay Regional 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.