Wondering what the average size home loan in Australia is at the moment and what the repayments are? Read on to find out.
The table below shows the latest figures from the Australian Bureau of Statistics (Dec 2025) for average loan amount in Australia by state:
| State/Territory | Loan Amount |
| New South Wales | $873,000 |
| Victoria | $677,000 |
| Australian Capital Territory | $659,000 |
| Queensland | $736,000 |
| Western Australia | $688,000 |
| Tasmania | $504,000 |
| South Australia | $658,000 |
| Northern Territory | $515,000 |
| National Average | $736,000 |
The next table shows the monthly repayments in each Australian state and territory, based on a 30-year term at 5.75% interest rates.
| State/Territory | Monthly Repayment Amount |
| New South Wales | $5,095 |
| Victoria | $3,951 |
| Australian Capital Territory | $3,846 |
| Queensland | $4,296 |
| Western Australia | $4,015 |
| Tasmania | $2,942 |
| South Australia | $3,840 |
| Northern Territory | $3,006 |
| National Average | $4,296 |
How can I work out my home loan repayments?
If you’re looking for a new home or investment property loan that’s higher or lower than the values listed above, you can use our repayment calculators.
How much I can afford to borrow for a home loan?
You can use our borrowing repayment calculator to work out how much you may be able to afford to borrow.
How we can help
If you’re looking to get a home or investment property loan, our experienced and licensed brokers at Wisebuy Investment Group can help. We can also help you with your application.
We service a diverse range of clients in the popular Newcastle, Lake Macquarie and Maitland areas. Our brokers work with more than 60 lenders in the Australian market.
Contact us today for an obligation-free chat to find out more.
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