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4.3 km from CBD
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True annual cost of living in Toowong, QLD 4066

Living in a house in Toowong costs about $7,872 a year: council rates, water and sewerage, commute and home insurance combined. Toowong sits 4.3 kilometres from Brisbane CBD. Unit costs reach $8,440, with the $3,200 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.

Last updated July 2026 · Brisbane City Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Cheaper to run than 62% of Brisbane City Council suburbs, about 8% below the regional average.
Home insurance is the biggest expense at $3,600, 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 →
Lower cost
House annual cost
$7,872
Driving · per year
$656/month
Unit annual cost
$8,440
Incl. body corporate
$703/month
House vs unit difference
+$568
Unit costs more per year

Annual cost breakdown

Council rates
Brisbane City Council 2026-27 · minimum rate
$950
Water & sewerage
Queensland Urban Utilities 2026-27
$1,900
Driving commute
ATO 91c/km · 4.3km from CBD · 192 days
$1,422
Home insurance
Estimated · flood Medium · fire High
$3,600
Total annual running cost
$7,872
($656/month)
↓ 8% below Brisbane City Council average
SuburbCost affordability score ●●●○○ 5.8/10 Average
Cheaper to run than 62% of Brisbane 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 Toowong'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 Toowong

within a 2 km walk
Nearest stop
Toowong, 1,040 m away, about a 13 minute walk. It is a train stop.
Nearest hospital
Toowong Private Hospital, 886 m away, about an 11 minute walk.
Supermarkets
16
Cafes
60
Parks
41
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.

Compare Toowong with another suburb

Frequently asked questions about Toowong

Is it cheaper to drive or take public transport from Toowong to the CBD?

Public transport saves Toowong residents $1,230 per year. Annual commute cost by car is $1,422 versus $192 by public transport using Translink's flat 50 cent fare.

What are the council rates in Toowong?

Toowong falls under Brisbane City Council. The minimum residential general rate for 2026-27 is $950 per year for an owner-occupied house. Properties on higher land value pay more. Unit owners in strata schemes pay $1,138 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Toowong?

Running a unit in Toowong costs approximately $8,440 per year by car or $7,210 by public transport. This includes council rates of $1,138, water and sewerage $1,900, estimated body corporate levy of $3,200, and contents insurance of $780. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Toowong close to public transport?

The nearest scheduled service to the centre of Toowong is Toowong, a train stop about 1,040 m away, about a 13 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 Toowong?

The closest hospital to the centre of Toowong is Toowong Private Hospital, about 886 m away, about an 11 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 Toowong?

Within a 2 km walk of the centre of Toowong there are 16 supermarkets, 60 cafes and 41 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: Brisbane City Council 2026-27. Water: Queensland Urban Utilities 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.