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90.8 km from CBD
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True annual cost of living in Cowley Creek, QLD 4871

Cowley Creek sits 90.8 kilometres from Brisbane CBD. Annual running costs for a house total $17,485, covering council rates, water and sewerage, commute and home insurance. Unit costs come in at $12,690, as lower council rates more than offset the $1,400 body corporate levy. At 90.8km, the commute dominates running costs. Drivers pay $7,479 more per year than public transport users.

Annual cost — house
$17,485
Driving · per year
$1,457/month
Lower cost
Annual cost — unit
$12,690
Incl. body corporate
$1,058/month
House vs unit difference
−$4,795
Unit is cheaper per year
Annual cost breakdown
Council rates
Cairns Regional Council 2025-26
$1,121
Water & sewerage
Cairns Regional Council Water & Sewerage 2025-26
$1,793
Commute — driving
ATO 88c/km · 90.8km from CBD · 192 days
$7,671
Home insurance
Estimated — flood Low, fire Low
$6,900
Total annual running cost
$17,485
($1,457/month)
↑ 25% above Cairns Regional Council average
SuburbCost affordability score ●●○○○ 3.9/10
Compare Cowley Creek with another suburb
Is it cheaper to drive or take public transport from Cowley Creek to the CBD?
Public transport saves Cowley Creek residents $7,479 per year. Annual commute cost by car is $7,671 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Cowley Creek?
Cowley Creek falls under Cairns Regional Council. The residential general rate for 2025–26 is $1,121 per year for an owner-occupied house. Unit owners in strata schemes pay $1,121 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Cowley Creek?
Running a unit in Cowley Creek costs approximately $12,690 per year by car or $5,211 by public transport. This includes council rates of $1,121, water and sewerage $1,793, estimated body corporate levy of $1,400, and contents insurance of $705. Body corporate fees vary significantly between buildings — always confirm the actual levy before purchasing.

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Data sources: Council rates: Cairns Regional Council 2025-26. Water: Cairns Regional Council Water & Sewerage 2025-26. Commute: ATO cents per kilometre rate 2025–26 (88c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA NAPLAN 2025. Risk: Queensland Globe, QFES. Data updated July 2025.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.