Rosewood vs Thagoona, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Rosewood and Thagoona are both Ipswich City Council suburbs, sitting 46.6 km and 42.5 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $264 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, Rosewood costs about $3,000 less to run than Thagoona. That's about $6 a week.
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Thagoona
Annual cost breakdown
| Category | Rosewood | Thagoona | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,298 | $1,298 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $6,798 | $6,962 | -$164 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,100 | $2,200 | -$100 |
| Body corporate (unit) Estimated | $1,600 | $1,800 | -$200 |
| Total (driving) | $12,096 | $12,360 | -$264 |
| Total (public transport) | $5,490 | $5,590 | -$100 |
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 | Rosewood | Thagoona | 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, Rosewood vs Thagoona (2026-27)
What the numbers show
Rosewood and Thagoona cost within $264 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $3,027, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $164 per year. Rosewood is 46.6 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $5,490 and $5,590 a year, so the $264 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,298 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Rosewood by $164 a year, $6,798 against $6,962.
- Building insurance favours Rosewood by $100 a year, $2,100 against $2,200.
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 4.9 in Thagoona against 3.7 in Rosewood, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Rosewood cumulative | Thagoona cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,096 | $12,360 | $264 |
| Year 3 | $37,388 | $38,204 | $816 |
| Year 5 | $64,219 | $65,621 | $1,402 |
| Year 10 | $138,667 | $141,694 | $3,027 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Rosewood or Thagoona cheaper to live in?
Rosewood is cheaper to run by car at $12,096 per year versus $12,360 for Thagoona, a difference of $264 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Rosewood and Thagoona?
Annual council rates for a house are $1,298 in Rosewood (Ipswich City Council) and $1,298 in Thagoona (Ipswich City Council). Water and sewerage adds $1,900 in Rosewood and $1,900 in Thagoona. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Rosewood and Thagoona?
Annual driving commute costs are $6,798 from Rosewood and $6,962 from Thagoona to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Rosewood and $192 from Thagoona.
What is the 10-year cost difference between Rosewood and Thagoona?
At 3% annual cost growth, Rosewood costs a cumulative $138,667 and Thagoona costs $141,694 over 10 years by car. The cumulative difference is $3,027 in favour of Rosewood. Excludes purchase price, mortgage, and personal expenses.
Which of Rosewood and Thagoona suits you better?
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Sources: Ipswich City Council and Ipswich 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.