True annual cost of living in Middle Ridge, QLD 4350
Living in a house in Middle Ridge costs about $7,272 a year: council rates, water and sewerage, commute and home insurance combined. Middle Ridge sits 5.5 kilometres from Toowoomba CBD. Unit costs reach $8,122, with the $2,200 body corporate levy accounting for the entire difference between the two. Switching from driving to public transport saves $1,598 per year at this distance.
Toowoomba Regional Council 2026-27 · City Urban minimum, category not confirmed for this suburb
$1,444
Water & sewerage
Toowoomba Regional Council Water & Sewerage 2026-27
$2,188
Driving commute
ATO 91c/km · 5.5km from Toowoomba CBD · 192 days
$1,790
Home insurance
Estimated · flood Low · fire Medium
$1,850
Body corporate
Estimated
$2,200
Total annual running cost
$7,272
($606/month)
↓ 36% below Toowoomba Regional Council average
SuburbCost affordability score ●●●●○7.9/10 Good
Cheaper to run than 93% of Toowoomba Regional Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,274/yr
5,591 kWh
Unit
$1,870/yr
4,193 kWh
Estimated from AER residential benchmarks for Middle Ridge'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 Middle Ridge
within a 2 km walk
Nearest stop
Harristown High School bus interchange, 4,924 m away, about a 62 minute walk. It is a bus stop.
Nearest hospital
St Vincent's Private Hospital, 4,530 m away, about a 57 minute walk.
Supermarkets
1
Cafes
0
Parks
38
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. 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 Middle Ridge to Toowoomba CBD?
Public transport saves Middle Ridge residents $1,598 per year. Annual commute cost by car is $1,790 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Middle Ridge?
Middle Ridge falls under Toowoomba Regional Council. Toowoomba sets six residential categories and the minimum general rate runs from $1,083 to $1,444 depending on where the property is. The figure here is the City Urban minimum. Which category applies turns on Map 1 of the council’s rating maps, which is not published, so a property outside the Toowoomba city urban area may pay less than this. Properties on higher land value pay more than the minimum. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Middle Ridge?
Running a unit in Middle Ridge costs approximately $8,122 per year by car or $6,524 by public transport. This includes council rates of $1,444, water and sewerage $2,188, estimated body corporate levy of $2,200, and contents insurance of $500. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Middle Ridge close to public transport?
The nearest scheduled service to the centre of Middle Ridge is Harristown High School bus interchange, a bus stop about 4,924 m away, about a 62 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 Middle Ridge?
The closest hospital to the centre of Middle Ridge is St Vincent's Private Hospital, about 4,530 m away, about a 57 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 Middle Ridge?
Within a 2 km walk of the centre of Middle Ridge there is 1 supermarket, 0 cafes and 38 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: Toowoomba Regional Council 2026-27. Water: Toowoomba Regional Council Water & Sewerage 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Queensland Globe, QFES. Data updated 2026-07. Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.