True annual cost of living in Mount Cotton, QLD 4165
Living in a house in Mount Cotton costs about $12,865 a year: council rates, water and sewerage, commute and home insurance combined. Mount Cotton sits 25.9 kilometres from Brisbane CBD. Unit costs come in at $12,765, as lower council rates more than offset the $2,200 body corporate levy. At 25.9km from the CBD, transport mode shifts the annual total by $5,929. The gap widens as commute costs rise.
SuburbCost affordability score ●●●○○5.3/10 Average
Cheaper to run than 59% of Redland City Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost
typical 2-person household
House
$2,135/yr
5,126 kWh
Unit
$1,776/yr
3,845 kWh
Estimated from AER residential benchmarks for Mount Cotton'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 Mount Cotton
within a 2 km walk
Nearest stop
No scheduled service within a 2 km walk of the suburb centre.
Supermarkets
0
Cafes
0
Parks
1
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 Mount Cotton to the CBD?
Public transport saves Mount Cotton residents $5,929 per year. Annual commute cost by car is $6,121 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Mount Cotton?
Mount Cotton falls under Redland City Council. The minimum residential general rate for 2026-27 is $1,436 per year for an owner-occupied house. Properties on higher land value pay more. Unit owners in strata schemes pay $1,436 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Mount Cotton?
Running a unit in Mount Cotton costs approximately $12,765 per year by car or $6,836 by public transport. This includes council rates of $1,436, water and sewerage $2,308, estimated body corporate levy of $2,200, and contents insurance of $700. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Mount Cotton close to public transport?
No scheduled public transport stop was found within a 2 km walk of the centre of Mount Cotton. The running cost on this page assumes driving, which is why the commute component is the largest line for most suburbs in this position.
What shops and parks are in Mount Cotton?
Within a 2 km walk of the centre of Mount Cotton there are 0 supermarkets, 0 cafes and 1 park. 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: Redland City Council 2026-27. Water: Redland City 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.