GetReal

Borrowing capacity

How much can I borrow on a $80,000 salary?

Estimated borrowing capacity: $345,000. Select your state and buyer type — stamp duty and upfront costs update below. Adjust the assumptions if they don't match your situation.

!
These assumptions are built into the estimate — check they match your situation
Borrowers1 (single)
Existing debtNone
Assessment rate7.35% (RBA 4.35% + 3.0%)
Living expensesHEM metro ($2,800/mo)
Loan term30 years P&I
HECS / student debtNone
DependantsNone
Tax yearFY2026 ATO rates
⚠ Assessment rate sourced from RBA F1 data (effective 2026-08-06), updated automatically each week. For a result using your actual debts, HECS, and dependants, use the calculator →
$345,000
Estimated borrowing capacity
Your take-home pay is approximately $5,161/month. After living expenses, you can service a loan of $345,000 at 7.35%.
With a $100,000 deposit, you can target properties up to $445,000
Upfront costs — NSW, first home buyer
Loading...
How borrowing capacity changes
Scenario Capacity Change
Single, no debt baseline above $345k —
Partner on $80,000 $810k +$465k
Partner on $60,000 $660k +$315k
$15k credit card limit $260k $-85000
$5k credit card limit $315k $-30000
$50k HECS debt $305k $-40000
$30k HECS debt $305k $-40000
1 dependant $270k $-75000
2 dependants $200k $-145000
Suburbs within reach — NSW
Morwell VIC › Horsham VIC › Moe VIC › Benalla VIC › Maryborough VIC › Portland VIC ›
Get a personalised figure Enter your actual debts, HECS, and dependants in the deposit checker.
Open calculator →