True annual cost of living in Toowoomba City, QLD 4350
Living in a house in Toowoomba City costs about $5,846 a year: council rates, water and sewerage, commute and home insurance combined. Toowoomba City sits 0.0 kilometres from Toowoomba CBD. Unit costs reach $6,826, with the $2,200 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.
Cheaper to run than 100% 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 Toowoomba City'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 Toowoomba City
within a 2 km walk
Nearest stop
Toowoomba, 328 m away, about a 4 minute walk. It is a train stop.
Nearest hospital
Toowoomba Base Hospital, 1,238 m away, about a 15 minute walk.
Supermarkets
8
Cafes
29
Parks
34
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 Toowoomba City to Toowoomba CBD?
Public transport saves Toowoomba City residents $322 per year. Annual commute cost by car is $514 versus $192 by public transport using Translink's flat 50 cent fare.
What are the council rates in Toowoomba City?
Toowoomba City 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 Toowoomba City?
Running a unit in Toowoomba City costs approximately $6,826 per year by car or $6,504 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 $480. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.
Is Toowoomba City close to public transport?
The nearest scheduled service to the centre of Toowoomba City is Toowoomba, a train stop about 328 m away, about a 4 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 Toowoomba City?
The closest hospital to the centre of Toowoomba City is Toowoomba Base Hospital, about 1,238 m away, about a 15 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 Toowoomba City?
Within a 2 km walk of the centre of Toowoomba City there are 8 supermarkets, 29 cafes and 34 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.