Loan Guide
How Much Can I Borrow on a $100,000 Salary? (2026)
On a $100,000 salary, you could borrow approximately $395,527 for a home loan at 6.5% over 30 years. This estimate uses the standard 30% serviceability ratio — spending no more than 30% of your gross income on mortgage repayments.
Popular salary guides: $80k, $100k, $120k, $150k, $200k .
See your take-home pay: Tax on $100,000 salary.
Need a personalised estimate? Use the full Borrowing Power Calculator with debt and expense inputs.
Estimated borrowing power $395,527 at 6.5% over 30 years
Borrowing Power at Different Rates
How much you can borrow on $100,000 changes significantly with interest rates:
| Rate | Max Borrowing | Monthly Repayment | Total Interest |
|---|---|---|---|
| 5.5% | $440,304 | $2,500 | $459,695 |
| 6.0% | $416,979 | $2,500 | $483,021 |
| 6.5% | $395,527 | $2,500 | $504,473 |
| 7.0% | $375,769 | $2,500 | $524,231 |
| 7.5% | $357,544 | $2,500 | $542,456 |
| 8.0% | $340,709 | $2,500 | $559,292 |
What $395,527 Gets You
Monthly repayment: $2,500 This is 30% of your gross monthly income of $8,333. You'd still have $5,833 per month before tax for other expenses.
Total interest: $504,473 Over 30 years at 6.5%, you'd pay $504,473 in interest on top of the $395,527 principal.
Rate sensitivity: ±$23,325 per 0.5% Each 0.5% change in interest rate shifts your borrowing capacity by roughly $23,325.
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Frequently Asked Questions
How much can I borrow on a $100k salary?
On a $100,000 salary, using the standard 30% serviceability ratio, you could borrow approximately $395,527 at 6.5% over 30 years. Your maximum monthly repayment would be $2,500.
What mortgage can I afford on $100k?
At 6.5%, a $100,000 salary supports a mortgage of about $395,527 with monthly repayments of $2,500. If rates drop to 5.5%, your capacity increases to $440,304.
How do interest rates affect borrowing power on $100k?
Interest rates significantly impact how much you can borrow. On a $100,000 salary, borrowing power ranges from $340,709 at 8% down to $440,304 at 5.5%. Each 0.5% rate change shifts capacity by roughly $23,325.
Is the 30% rule accurate for mortgage affordability?
The 30% rule (spending no more than 30% of gross income on housing) is a common guideline but conservative. Lenders may use different ratios and also consider your existing debts, living expenses, and credit history. Use our full Borrowing Power Calculator for a more personalised estimate.
Need a more personalised estimate?
Our Borrowing Power Calculator factors in your existing debts, living expenses, and dependants for a more accurate estimate.
Already know your loan amount? Check repayments on $400k or use the full Mortgage Calculator.