Upper Mount Gravatt vs Wishart: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/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 $789 a year cheaper than Wishart, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $9,045.
Over 10 years, Upper Mount Gravatt costs about $9,000 less to run than Wishart — the same as paying $9,000 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 | $1,579 | $1,579 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $3,181 | $3,470 | -$289 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $2,200 | $2,700 | -$500 |
| Body corporate (unit) | $2,900 | $2,800 | +$100 |
| Total (driving) | $8,860 | $9,649 | -$789 |
| Total (public transport) | $5,871 | $6,371 | -$500 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Upper Mount Gravatt | Wishart | Difference |
|---|---|---|---|
| House | $1,976 | $1,976 | - |
| Unit | $1,591 | $1,591 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; 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 $789 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $9,045 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, $5,871 from Upper Mount Gravatt versus $6,371 from Wishart.
10-year cumulative cost projection
| Year | Upper Mount Gravatt cumulative | Wishart cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,860 | $9,649 | $789 |
| Year 3 | $27,385 | $29,824 | $2,439 |
| Year 5 | $47,039 | $51,228 | $4,189 |
| Year 10 | $101,570 | $110,615 | $9,045 |
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 $8,860 per year versus $9,649 for Wishart, a difference of $789 annually. Figures cover council rates, water, commute (ATO 88c/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 $1,579 in Upper Mount Gravatt (Brisbane City Council) and $1,579 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 $3,181 from Upper Mount Gravatt and $3,470 from Wishart to Brisbane CBD (ATO 88c/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 $101,570 and Wishart costs $110,615 over 10 years by car. The cumulative difference is $9,045 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 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.