True annual cost of living in Belgian Gardens, QLD 4810
Living in a house in Belgian Gardens costs about $8,868 a year: council rates, water and sewerage, commute and home insurance combined. Belgian Gardens sits 2.9 kilometres from Townsville CBD. Unit costs reach $8,968, with the $3,800 body corporate levy accounting for the entire difference between the two. Transport mode has the biggest effect on total cost in a suburb this close to the city.
About $171 a week to run a house here, including estimates
Unit annual cost
$8,968
Incl. body corporate
$747/month
About $172 a week to run a unit here, including estimates
House vs unit difference
+$100
Unit costs more per year
Annual cost breakdown
Council rates
Official, 2026-27 Townsville City Council
$1,343
Water & sewerage
Official, 2026-27 Townsville City Council Water & Sewerage
$2,099
Driving commute
Modelled, 2026-27 ATO 91c/km · 2.9km from Townsville CBD · 192 days
$976
Home insurance
Estimated flood Medium · fire Low
$4,450
Body corporate
Estimated
$3,800
Total annual running cost
$8,868
($739/month, $171/week)
Excludes electricity, estimated separately below. Also excludes the state Emergency Management Levy on your rates notice, $260 a year here (levy class A, 2026-27).
↓ 28% below Townsville City Council average
SuburbCost affordability score ●●●●○7.3/10 Good
Cheaper to run than 81% of Townsville City Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,373/yr
5,933 kWh
Unit
$1,945/yr
4,450 kWh
Estimated from AER residential benchmarks for Belgian Gardens's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.
Getting around Belgian Gardens
within a 2 km walk
Nearest stop
Townsville, 2,935 m away, about a 37 minute walk. It is a train stop.
Nearest hospital
Townsville Private Clinic, 2,538 m away, about a 32 minute walk.
Supermarkets
0
Cafes
2
Parks
19
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-11-03. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.
Is it cheaper to drive or take public transport from Belgian Gardens to Townsville CBD?
Public transport saves Belgian Gardens residents $784 per year. Annual commute cost by car is $976 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Belgian Gardens?
Belgian Gardens falls under Townsville City Council. The minimum residential general rate for 2026-27 is $1,343 per year for an owner-occupied house. Properties on higher land value pay more. Unit owners in strata schemes pay $1,343 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Belgian Gardens?
Running a unit in Belgian Gardens costs approximately $8,968 per year by car or $8,184 by public transport. This includes council rates of $1,343, water and sewerage $2,099, estimated body corporate levy of $3,800, and contents insurance of $750. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Belgian Gardens close to public transport?
The nearest scheduled service to the centre of Belgian Gardens is Townsville, a train stop about 2,935 m away, about a 37 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.
What is the closest hospital to Belgian Gardens?
The closest hospital to the centre of Belgian Gardens is Townsville Private Clinic, about 2,538 m away, about a 32 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.
What shops and parks are in Belgian Gardens?
Within a 2 km walk of the centre of Belgian Gardens there are 0 supermarkets, 2 cafes and 19 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.
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Data sources: Council rates: Townsville City Council 2026-27. Water: Townsville City Council Water & Sewerage 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: estimated from ACCC 2026 premium rates for the area's cyclone risk on a standard $600,000 home, adjusted for flood and fire, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Queensland Globe, QFES. Data last verified September 2026. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.