Samford Village vs Yugar: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Samford Village and Yugar are both Moreton Bay Regional Council suburbs, sitting 17.5 km and 20.5 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Samford Village runs $850 a year cheaper than Yugar, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $9,745.
Over 10 years, Samford Village costs about $9,700 less to run than Yugar — the same as paying $9,700 less for the home. It's the cost no listing shows you.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Samford Village
Yugar
Annual cost breakdown
| Category | Samford Village | Yugar | Difference |
|---|---|---|---|
| Council rates | $1,309 | $1,309 | - |
| Water & sewerage | $2,144 | $2,144 | - |
| Commute (driving) | $4,778 | $5,328 | -$550 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $3,100 | $3,400 | -$300 |
| Body corporate (unit) | $2,300 | $2,000 | +$300 |
| Total (driving) | $11,331 | $12,181 | -$850 |
| Total (public transport) | $6,745 | $7,045 | -$300 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Samford Village | Yugar | 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 — Samford Village vs Yugar (2026-27)
What the numbers show
Samford Village costs $850 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,745 in favour of Samford Village.
The biggest single gap is commute costs at $550 per year. Yugar is 20.5 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $300 per year, $6,745 from Samford Village versus $7,045 from Yugar.
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 Samford Village by $550 a year, $4,778 against $5,328.
- Building insurance favours Samford Village by $300 a year, $3,100 against $3,400.
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.
10-year cumulative cost projection
| Year | Samford Village cumulative | Yugar cumulative | Difference |
|---|---|---|---|
| Year 1 | $11,331 | $12,181 | $850 |
| Year 3 | $35,023 | $37,650 | $2,627 |
| Year 5 | $60,158 | $64,671 | $4,513 |
| Year 10 | $129,897 | $139,642 | $9,745 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Samford Village or Yugar cheaper to live in?
Samford Village is cheaper to run by car at $11,331 per year versus $12,181 for Yugar, a difference of $850 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Samford Village and Yugar?
Annual council rates for a house are $1,309 in Samford Village (Moreton Bay Regional Council) and $1,309 in Yugar (Moreton Bay Regional Council). Water and sewerage adds $2,144 in Samford Village and $2,144 in Yugar. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Samford Village and Yugar?
Annual driving commute costs are $4,778 from Samford Village and $5,328 from Yugar to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Samford Village and $192 from Yugar.
What is the 10-year cost difference between Samford Village and Yugar?
At 3% annual cost growth, Samford Village costs a cumulative $129,897 and Yugar costs $139,642 over 10 years by car. The cumulative difference is $9,745 in favour of Samford Village. Excludes purchase price, mortgage, and personal expenses.
Which of Samford Village and Yugar 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: 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 AI insurance estimates. Data updated July 2026.