GetReal

Affordability

What do you need to buy a $900,000 property?

Deposit, stamp duty, LMI, and the income needed to service the loan. Select your state and buyer type — stamp duty updates instantly.

!
Income figures assume: single borrower, no existing debt, metro HEM
Assessment rate7.35% (RBA 4.35% + 3.0%)
Loan term30 years P&I
Living expensesHEM metro ($2,800/mo)
Existing debtNone
⚠ Assessment rate sourced from RBA F1 data (effective 2026-08-06), updated automatically each week. Stamp duty figures are sourced from state revenue offices — accurate as at 2026-08-07. For a personalised affordability check, use the search tool →
Stamp duty — NSW, first home buyer
Compare all states →
State Buyer type Duty payable FHB saving
Deposit options — $900,000
20% deposit
$180,000
Loan: $720,000
No LMI required
10% deposit
$90,000
Loan: $810,000
+ $20,380 LMI est.
5% deposit
$45,000
Loan: $855,000
+ $39,356 LMI est.
Minimum income to service the loan (20% deposit)
Single borrower
$128,000
gross annual, no existing debt
Two borrowers
$82,000 each
or any split totalling $128,000
What does $900,000 get you?
Berwick VIC › Point Cook VIC › Frankston VIC › Reservoir VIC › Doreen VIC › Narre Warren VIC › Greenvale VIC › Sanctuary Lakes VIC ›
Check if this is realistic for a specific suburb See what share of the market your budget can reach.
Search now →