How Much Can I Borrow? Borrowing Power by Salary (2026–27)
Estimated home loan borrowing power for single applicants earning $50,000 to $250,000.
Borrowing power by salary (single applicant)
| Salary | Borrowing power | Monthly repayment | Price with 20% deposit |
|---|---|---|---|
| $50,000 | $241,000 | $1,445 | $301,250 |
| $60,000 | $300,000 | $1,799 | $375,000 |
| $70,000 | $359,000 | $2,152 | $448,750 |
| $80,000 | $419,000 | $2,512 | $523,750 |
| $90,000 | $479,000 | $2,872 | $598,750 |
| $100,000 | $539,000 | $3,232 | $673,750 |
| $110,000 | $599,000 | $3,591 | $748,750 |
| $120,000 | $659,000 | $3,951 | $823,750 |
| $130,000 | $719,000 | $4,311 | $898,750 |
| $140,000 | $776,000 | $4,653 | $970,000 |
| $150,000 | $828,000 | $4,964 | $1,035,000 |
| $160,000 | $881,000 | $5,282 | $1,101,250 |
| $170,000 | $934,000 | $5,600 | $1,167,500 |
| $180,000 | $987,000 | $5,918 | $1,233,750 |
| $190,000 | $1,040,000 | $6,235 | $1,300,000 |
| $200,000 | $1,084,000 | $6,499 | $1,355,000 |
| $210,000 | $1,129,000 | $6,769 | $1,411,250 |
| $220,000 | $1,173,000 | $7,033 | $1,466,250 |
| $230,000 | $1,218,000 | $7,303 | $1,522,500 |
| $240,000 | $1,262,000 | $7,566 | $1,577,500 |
| $250,000 | $1,307,000 | $7,836 | $1,633,750 |
Single Australian resident with no dependants, no other debts or credit cards and typical living costs. 6.00% principal and interest over 30 years, tested at 9.00%, capped at six times income. Estimates only: every lender is different. Use the borrowing power calculator for your own income, expenses, debts and partner.
Frequently asked questions
How many times my salary can I borrow?
Usually somewhere between four and six times your gross income. In our estimates a single person on $100,000 could borrow about $539,000, or 5.4 times their salary. Debts, credit cards and dependants reduce it, and many lenders cap total debt at about six times income.
Last reviewed October 2026. Estimates for general information only, based on 2026–27 rates. Check important figures with the relevant government agency or a licensed professional.