Comparing with a partner, family member, or co-buyer? Forward this report so everyone is working from the same numbers before you decide.
Personalise this report even further
Every generic estimate hides someone else's assumptions. Set your own workplace, household size, commute, and how you get to work, and every figure below recalculates specifically for you.
Without this, the drive is costed to the CBD in a straight line, which understates it for most people.
How you get to work
Property type
Commute days per week
Occupants in the home
Land value, if you know it
Use the figure from your valuation notice, not what you paid.
Shown with typical defaults. Adjust anything above and the whole report, including the AI recommendations, updates for your situation.
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Annual Cost Breakdown
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Cost Ranking Official, modelled & estimated · see key
Lowest total annual running cost. Green = most affordable. PT = public transport.
Full Cost Breakdown Official, modelled & estimated · see key
Council rates and water 2026–27 (water estimated for some NSW suburbs), commute at the ATO 2026–27 rate. ✓ marks the cheapest in each row. All figures AUD per year.
Occupant-based annual estimate from AER residential benchmarks (seasonal kWh by household size and climate zone). Set occupants in Personalise this report at the top.
10-Year Cost Projection
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Annual Running Cost Projection Modelled · 3% CPI
Solid lines: Scenario B (all costs at 3% CPI including commute). Dashed lines: Scenario A (commute held flat). All figures AUD.
Scenario A holds commute flat: the conservative view that understates divergence for higher-commute suburbs. Scenario B inflates all costs including commute at 3% per year; fuel costs have historically exceeded CPI. Both scenarios compound council, water, strata, and insurance at 3% CPI. Actual costs will differ; use for relative comparison only.
Add your loan or rent (optional)
Enter what you would pay per suburb to see your full cost of living here. Uses only the figures you type. No property prices, medians, or estimates.
This is an illustrative assumption model, not a forecast. It starts from the loan amount, rate, and term, or the rent, that you entered, then applies stated paths over time: interest rates gradually drift toward a long-run average of about 6.5%, and rent grows faster in the near term before easing toward a long-run average near 2.75% per year. No one can predict actual future rates or rents; these paths are assumptions for comparison only. Not credit advice, not a loan offer, and not a prediction of the rate you will actually pay. Actual repayments and rents depend on your lender, landlord, and circumstances.
School score 0 to 10 from ACARA ICSEA data. ICSEA measures the socio-educational background of a school community, not teaching quality or results. Risk from official mapping (QLD: Queensland Globe / QFES; NSW: RFS Bush Fire Prone Land + modelled flood; VIC: planning scheme flood overlays and the Bushfire Management Overlay).
School Details by Suburb
Nearest state and private schools matched by suburb boundary from ACARA School Locations 2025.
School scores from ACARA ICSEA 2025. ICSEA describes the socio-educational background of a school community, not teaching quality or student results. For results, see ACARA My School. Type detected from school name. Flood risk. QLD: Queensland Globe + council data; NSW: modelled from 30 m elevation (topographic). Fire. QLD: QFES; NSW: RFS Bush Fire Prone Land.
Crime Risk by Suburb Official · QPS, BOCSAR
Rated low / medium / high based on reported offence rates per 100,000 population (QLD: QPS 2022–2025; NSW: BOCSAR; VIC: Crime Statistics Agency, year to June 2026). Rated at the police/LGA division level; one division may cover multiple suburbs.
Source: reported offence statistics from Queensland Police Service (QLD) and BOCSAR (NSW). QLD ratings reflect the police division. NSW ratings compare each suburb's recorded incidents per resident (2024-25 and 2025-26) with other NSW suburbs; suburbs under 1,000 residents use their council area's rating. Victorian ratings compare each council area with the other Victorian councils. Property crime covers break-ins, vehicle theft, and stealing. Other crime covers assault, robbery, and related offences.
AI Recommendations
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Suburb Recommendations Generated · Claude
AI analysis powered by Claude (Anthropic). Weighs running costs, school quality, flood and fire risk, and commute distance across your shortlist.
Analysing your suburb data and generating personalised recommendations…
Recommendations generated by Claude (Anthropic) using SuburbCost cost data, risk profiles, and school scores. This does not constitute financial, property, or investment advice. Verify all information independently before acting.
SuburbCost (suburbcost.com.au) · Sources: · Figures are not guaranteed accurate and are not financial, legal, insurance, or credit advice. See our Terms of Use.
You've got the running costs. The other half is finance.
If your suburbs make it to your final shortlist, the next step most buyers take is working out what they can borrow. A licensed mortgage broker can talk you through your borrowing options, and we can introduce you to one.
No obligation, and it costs you nothing. Free to you. If you ask for an introduction, the broker may pay SuburbCost a referral fee.
No problem. Your report is yours to keep.
Done. A licensed mortgage broker will be in touch.Your suburb report is yours to keep.
If any data in this report doesn't look right (incorrect council area, wrong suburb matched, or anything else) let us know at contact@suburbcost.com.au and we'll investigate.
