Redland Bay vs Victoria Point, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Redland Bay and Victoria Point are both Redland City Council suburbs, sitting 32.9 km and 28.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $117 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 $1,300, about $3 a week, and most of it is the AI-estimated insurance line.
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Victoria Point
Annual cost breakdown
| Category | Redland Bay | Victoria Point | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,436 | $1,436 | - |
| Water & sewerage Official, 2026-27 | $2,308 | $2,308 | - |
| Commute (driving) Modelled, 2026-27 | $6,768 | $6,451 | +$317 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,100 | $2,300 | -$200 |
| Body corporate (unit) Estimated | $2,200 | $2,800 | -$600 |
| Total (driving) | $12,612 | $12,495 | +$117 |
| Total (public transport) | $6,036 | $6,236 | -$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 | Redland Bay | Victoria 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, Redland Bay vs Victoria Point (2026-27)
What the numbers show
Redland Bay and Victoria Point differ by $117 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 $317, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $317 per year. Redland Bay is 32.9 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $200 per year, $6,036 from Redland Bay versus $6,236 from Victoria Point.
Where the difference actually comes from
- Council rates is identical at $1,436 a year.
- Water and sewerage is identical at $2,308 a year.
- Driving commute favours Victoria Point by $317 a year, $6,451 against $6,768.
- Building insurance favours Redland Bay by $200 a year, $2,100 against $2,300.
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.
The catchment state school scores 6.3 in Redland Bay against 5 in Victoria Point, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Redland Bay cumulative | Victoria Point cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,612 | $12,495 | $117 |
| Year 3 | $38,982 | $38,621 | $361 |
| Year 5 | $66,959 | $66,338 | $621 |
| Year 10 | $144,582 | $143,241 | $1,341 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Redland Bay or Victoria Point cheaper to live in?
Neither is named cheaper. Redland Bay runs $12,612 a year by car and Victoria Point $12,495, but most of the $117 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $317. Source: SuburbCost 2026 data.
What are council rates in Redland Bay and Victoria Point?
Annual council rates for a house are $1,436 in Redland Bay (Redland City Council) and $1,436 in Victoria Point (Redland City Council). Water and sewerage adds $2,308 in Redland Bay and $2,308 in Victoria Point. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Redland Bay and Victoria Point?
Annual driving commute costs are $6,768 from Redland Bay and $6,451 from Victoria Point to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Redland Bay and $192 from Victoria Point.
What is the 10-year cost difference between Redland Bay and Victoria Point?
At 3% annual cost growth, Redland Bay costs a cumulative $144,582 and Victoria Point costs $143,241 over 10 years by car. The cumulative difference is $1,341 in favour of Victoria Point. Excludes purchase price, mortgage, and personal expenses.
Which of Redland Bay and Victoria Point suits you better?
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Sources: Redland City Council and Redland City 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.