Sumner vs Wacol, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Sumner and Wacol are both Brisbane City Council suburbs, sitting 14 km and 16.6 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Sumner runs $312 a year cheaper than Wacol, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $3,577.
Over 10 years the gap between these two is about $3,600, about $7 a week, and most of it is the AI-estimated insurance line.
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Wacol
Annual cost breakdown
| Category | Sumner | Wacol | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $4,036 | $4,598 | -$562 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $2,250 | $2,000 | +$250 |
| Body corporate (unit) Estimated | $2,600 | $2,300 | +$300 |
| Total (driving) | $9,136 | $9,448 | -$312 |
| Total (public transport) | $5,292 | $5,042 | +$250 |
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 | Sumner | Wacol | 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, Sumner vs Wacol (2026-27)
What the numbers show
Sumner and Wacol differ by $312 a year by car, but $250 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 $562, so neither suburb is named cheaper here.
The biggest single gap is commute costs at $562 per year. Wacol is 16.6 km from Brisbane CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $250 per year, $5,292 from Sumner versus $5,042 from Wacol.
Where the difference actually comes from
- Council rates is identical at $950 a year.
- Water and sewerage is identical at $1,900 a year.
- Driving commute favours Sumner by $562 a year, $4,036 against $4,598.
- Building insurance favours Wacol by $250 a year, $2,000 against $2,250.
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 high in Sumner against medium in Wacol, which feeds the insurance estimate. The catchment state school scores 8.6 in Sumner against 3.6 in Wacol, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Sumner cumulative | Wacol cumulative | Difference |
|---|---|---|---|
| Year 1 | $9,136 | $9,448 | $312 |
| Year 3 | $28,238 | $29,203 | $965 |
| Year 5 | $48,504 | $50,161 | $1,657 |
| Year 10 | $104,734 | $108,311 | $3,577 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Sumner or Wacol cheaper to live in?
Neither is named cheaper. Sumner runs $9,136 a year by car and Wacol $9,448, but most of the $312 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $562. Source: SuburbCost 2026 data.
What are council rates in Sumner and Wacol?
Annual council rates for a house are $950 in Sumner (Brisbane City Council) and $950 in Wacol (Brisbane City Council). Water and sewerage adds $1,900 in Sumner and $1,900 in Wacol. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Sumner and Wacol?
Annual driving commute costs are $4,036 from Sumner and $4,598 from Wacol to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Sumner and $192 from Wacol.
What is the 10-year cost difference between Sumner and Wacol?
At 3% annual cost growth, Sumner costs a cumulative $104,734 and Wacol costs $108,311 over 10 years by car. The cumulative difference is $3,577 in favour of Sumner. Excludes purchase price, mortgage, and personal expenses.
Which of Sumner and Wacol suits you better?
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Sources: Brisbane City Council and Brisbane 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.