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 $799 a year cheaper than Wishart, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,160.
Over 10 years, Upper Mount Gravatt costs about $9,200 less to run than Wishart — the same as paying $9,200 less for the home. It's the cost no listing shows you.
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Wishart
Annual cost breakdown
| Category | Upper Mount Gravatt | Wishart | Difference |
|---|---|---|---|
| Council rates | $950 | $950 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $3,289 | $3,588 | -$299 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,200 | $2,700 | -$500 |
| Body corporate (unit) | $2,900 | $2,800 | +$100 |
| Total (driving) | $8,339 | $9,138 | -$799 |
| Total (public transport) | $5,242 | $5,742 | -$500 |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; 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 costs $799 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,160 in favour of Upper Mount Gravatt.
The biggest single gap is home insurance at $500 per year.
On public transport the gap is $500 per year, $5,242 from Upper Mount Gravatt versus $5,742 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 $500 a year, $2,200 against $2,700.
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 | $8,339 | $9,138 | $799 |
| Year 3 | $25,775 | $28,245 | $2,470 |
| Year 5 | $44,273 | $48,515 | $4,242 |
| Year 10 | $95,597 | $104,757 | $9,160 |
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?
Upper Mount Gravatt is cheaper to run by car at $8,339 per year versus $9,138 for Wishart, a difference of $799 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. 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 $95,597 and Wishart costs $104,757 over 10 years by car. The cumulative difference is $9,160 in favour of Upper Mount Gravatt. Excludes purchase price, mortgage, and personal expenses.
Which of Upper Mount Gravatt and Wishart 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: 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 AI insurance estimates. Data updated July 2026.