How Much Can I Borrow on $100,000? (2026–27)
A single person earning $100,000 could borrow about $539,000 for a home loan. See how rates, children and a partner change it.
How much can I borrow on $100,000?
Earning $100,000 a year, you take home about $6,457 a month after tax and the Medicare levy. After typical living costs for a single person on your income of about $2,117 a month, and with no other debts, you'd have about $4,340 a month spare when a lender tests your repayments at 9.00%. Over 30 years, that supports a loan of roughly $539,000, about 5.4 times your salary. The six times income cap would allow up to $600,000, so your budget at the test rate is what limits you.
Borrowing power at different interest rates
Lenders add a 3 percentage point buffer to the rate before checking what you can afford.
| Your rate | Tested at | Borrowing power | Monthly repayment |
|---|---|---|---|
| 5.50% | 8.50% | $564,000 | $3,202 |
| 5.75% | 8.75% | $551,000 | $3,215 |
| 6.00% | 9.00% | $539,000 | $3,232 |
| 6.25% | 9.25% | $527,000 | $3,245 |
| 6.50% | 9.50% | $516,000 | $3,261 |
| 6.75% | 9.75% | $505,000 | $3,275 |
| 7.00% | 10.00% | $494,000 | $3,287 |
With children, or as a couple
Dependants raise the living costs a lender counts. A couple earning $100,000 between them (half each) pays less tax than one person on the same total, but has higher living costs.
| Dependants | Expenses counted (single) | Single on $100k | Couple on $100k combined |
|---|---|---|---|
| No children | $2,117 | $539,000 | $530,000 |
| 1 child | $2,617 | $477,000 | $468,000 |
| 2 children | $3,117 | $415,000 | $406,000 |
If your living costs are higher
Lenders use your own expenses if they are above the benchmark.
| Your living expenses | Borrowing power |
|---|---|
| $2,500 a month | $491,000 |
| $3,000 a month | $429,000 |
| $3,500 a month | $367,000 |
| $4,000 a month | $305,000 |
| $5,000 a month | $181,000 |
Nearby salaries
$80k · $90k · $110k · $120k · all salaries
Assumes a single Australian resident, 2026–27 tax rates with the low income tax offset and Medicare levy, a 6.00% principal and interest loan over 30 years tested at 9.00%, no other debts or credit cards, and our household expense benchmark. Every lender is different, so treat this as an estimate only. See also repayments by loan size and $100,000 after tax.
Frequently asked questions
How much can I borrow on a $100,000 salary?
Roughly $539,000 as a single applicant with no debts or dependants, at a 6.00% rate tested at 9.00% over 30 years. Repayments would be about $3,232 a month.
How much house can I afford on $100,000?
With a 20% deposit of about $134,750, a $539,000 loan would buy a home worth about $673,750, before stamp duty and fees, which also come out of your savings.
Can a couple on $100,000 combined borrow more?
A couple earning $100,000 split evenly could borrow about $530,000. Two people pay less tax on the same total income, but lenders also count higher living costs for a couple.
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.