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47.9 km from CBD
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True annual cost of living in Toorbul, QLD 4510

Living in a house in Toorbul costs about $14,075 a year: council rates, water and sewerage, commute and home insurance combined. Toorbul sits 47.9 kilometres from Brisbane CBD. Unit costs come in at $12,840, as lower council rates more than offset the $1,800 body corporate levy. At 47.9km, the commute dominates running costs. Drivers pay $6,303 more per year than public transport users.

Last updated July 2026 · Moreton Bay Regional Council rates 2026-27, ATO 88c/km, AER electricity benchmarks

3 key insights
Costs 12% more to run than the Moreton Bay Regional Council average, cheaper than only 5% of suburbs in the region.
The commute is the biggest expense at $6,495, roughly 46% of the annual total.
Bushfire risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$14,075
Driving · per year
$1,173/month
Lower cost
Unit annual cost
$12,840
Incl. body corporate
$1,070/month
House vs unit difference
−$1,235
Unit is cheaper per year
Annual cost breakdown
Council rates
Moreton Bay Regional Council 2026-27 · minimum rate
$1,636
Water & sewerage
Unitywater (Moreton Bay) 2026-27
$2,144
Driving commute
ATO 88c/km · 47.9km from CBD · 192 days
$6,495
Home insurance
Estimated · flood Medium · fire High
$3,800
Total annual running cost
$14,075
($1,173/month)
↑ 12% above Moreton Bay Regional Council average
SuburbCost affordability score ●○○○○ 2.4/10 Poor
Cheaper to run than 5% of Moreton Bay Regional Council suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).
Estimated electricity cost typical 2-person household
House
$1,976/yr
5,126 kWh
Unit
$1,591/yr
3,845 kWh
Estimated from AER residential benchmarks for Toorbul's climate zone at 2025 rates. Get the free report for a breakdown by your exact number of occupants.
Compare Toorbul with another suburb
Is it cheaper to drive or take public transport from Toorbul to the CBD?
Public transport saves Toorbul residents $6,303 per year. Annual commute cost by car is $6,495 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Toorbul?
Toorbul falls under Moreton Bay Regional Council. The minimum residential general rate for 2026-27 is $1,636 per year for an owner-occupied house. Properties on higher land value pay more. Unit owners in strata schemes pay $1,651 per year. These figures cover the general rate only and exclude waste and cleansing charges.
What does it cost to run a unit in Toorbul?
Running a unit in Toorbul costs approximately $12,840 per year by car or $6,537 by public transport. This includes council rates of $1,651, water and sewerage $2,144, estimated body corporate levy of $1,800, and contents insurance of $750. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

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Data sources: Council rates: Moreton Bay Regional Council 2026-27. Water: Unitywater (Moreton Bay) 2026-27. Commute: ATO cents per kilometre rate 2025–26 (88c/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.