Upper Mount Gravatt vs Wishart, true annual running costs compared 2026
Last updated July 2026 · council rates 2026-27 (QLD), ATO 91c/km, Translink fares, AER electricity benchmarks
Upper Mount Gravatt and Wishart are both Brisbane City Council suburbs, sitting 10.9 km and 12.1 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Upper Mount Gravatt runs $699 a year cheaper than Wishart, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $8,014.
Over 10 years the gap between these two is about $8,000, about $15 a week, and most of it is the AI-estimated insurance line.
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Wishart
Annual cost breakdown
| Category | Upper Mount Gravatt | Wishart | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $950 | $950 | - |
| Water & sewerage Official, 2026-27 | $1,900 | $1,900 | - |
| Commute (driving) Modelled, 2026-27 | $3,289 | $3,588 | -$299 |
| Commute (public transport) Modelled, 2026-27 | $192 | $192 | - |
| Home insurance Estimated | $1,700 | $2,100 | -$400 |
| Body corporate (unit) Estimated | $2,900 | $2,800 | +$100 |
| Total (driving) | $7,839 | $8,538 | -$699 |
| Total (public transport) | $4,742 | $5,142 | -$400 |
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 | Upper Mount Gravatt | Wishart | 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, Upper Mount Gravatt vs Wishart (2026-27)
What the numbers show
Upper Mount Gravatt and Wishart differ by $699 a year by car, but $400 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 $299, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $400 per year.
On public transport the gap is $400 per year, $4,742 from Upper Mount Gravatt versus $5,142 from Wishart.
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 Upper Mount Gravatt by $299 a year, $3,289 against $3,588.
- Building insurance favours Upper Mount Gravatt by $400 a year, $1,700 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.
Fire risk is rated high in Wishart against medium in Upper Mount Gravatt, which feeds the insurance estimate. The catchment state school scores 9.1 in Wishart against 7 in Upper Mount Gravatt, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Upper Mount Gravatt cumulative | Wishart cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,839 | $8,538 | $699 |
| Year 3 | $24,230 | $26,390 | $2,160 |
| Year 5 | $41,618 | $45,329 | $3,711 |
| Year 10 | $89,865 | $97,879 | $8,014 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Upper Mount Gravatt or Wishart cheaper to live in?
Neither is named cheaper. Upper Mount Gravatt runs $7,839 a year by car and Wishart $8,538, but most of the $699 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $299. Source: SuburbCost 2026 data.
What are council rates in Upper Mount Gravatt and Wishart?
Annual council rates for a house are $950 in Upper Mount Gravatt (Brisbane City Council) and $950 in Wishart (Brisbane City Council). Water and sewerage adds $1,900 in Upper Mount Gravatt and $1,900 in Wishart. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Upper Mount Gravatt and Wishart?
Annual driving commute costs are $3,289 from Upper Mount Gravatt and $3,588 from Wishart to Brisbane CBD (ATO 91c/km). Public transport costs $192 from Upper Mount Gravatt and $192 from Wishart.
What is the 10-year cost difference between Upper Mount Gravatt and Wishart?
At 3% annual cost growth, Upper Mount Gravatt costs a cumulative $89,865 and Wishart costs $97,879 over 10 years by car. The cumulative difference is $8,014 in favour of Upper Mount Gravatt. Excludes purchase price, mortgage, and personal expenses.
Which of Upper Mount Gravatt and Wishart 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.