Australia Personal Finance Statistics 2026
Australian take-home pay, stamp duty and land tax by state, super at 67, HECS-HELP repayments, the Medicare levy, negative gearing and CGT for 2026-27.
50-State Comparisons
Australia Stamp Duty by State: A$600k, A$800k and A$1M Homes in NSW, Victoria and Queensland
Stamp duty on a A$800,000 home in Australia ranges from A$21,850 in Queensland to A$43,070 in Victoria for an owner-occupier, while a first home buyer pays A$0 in New South Wales and A$43,070 in Victoria at the same price.
Australia Land Tax by State: What an Investment Property Costs Each Year in NSW, Victoria and Queensland
On A$1.5 million of taxable investment land held by an individual, land tax is A$6,900 a year in New South Wales, A$9,150 in Victoria and A$12,750 in Queensland, and none of the three charges anything below its own threshold.
2026 Numbers
HECS-HELP Repayments 2026-27 in Australia: What You Repay at Each Income and How Long It Takes
For 2026-27, HECS-HELP repayments in Australia start above A$69,528 of repayment income and reach A$4,571 a year at A$100,000; a A$50,000 debt takes 17 years to repay from a A$90,000 income and 5 years from A$150,000, and is not repaid within 30 years from A$75,000.
Medicare Levy Surcharge 2026-27 in Australia: Thresholds and What It Costs at Each Income
In Australia for 2026-27, a single person without private hospital cover pays the Medicare levy surcharge once income passes A$105,000: A$1,100 a year at A$110,000, A$1,750 at A$140,000 and A$3,000 at A$200,000.
What It Really Costs
Australia Take-Home Pay 2026-27: What A$50k to A$200k Leaves After Tax and Medicare Levy
In Australia for the 2026-27 income year, a A$100,000 salary leaves A$77,800 after income tax and the Medicare levy, or A$2,992.31 a fortnight, and every salary from A$50k to A$200k keeps between A$588 and A$738 more than in 2025-26.
Australia Super Balance at 67 by Starting Age and Salary, From the 12% Super Guarantee
In Australia, a worker on A$90,000 who starts super at 25 with nothing and gets only the 12% employer contribution reaches about A$962,244 at 67 in today's dollars; starting at 35 leaves A$575,599, and starting at 45 leaves A$314,396.
Negative Gearing in Australia Worked Out: Tax Saved at A$60k to A$250k, and the 2027 Change
In Australia, a rental property losing A$11,000 a year saves A$3,520 of tax in 2026-27 for an investor on A$60,000 and A$5,170 for one on A$250,000; from 2027-28 an established property bought after 12 May 2026 saves nothing against salary at any income.
Novated Lease Savings in Australia: What You Really Save at Each Salary, EV vs Petrol
In Australia, novating a car that costs A$16,000 a year saves about A$5,120 a year in tax on a A$90,000 salary if it is an eligible electric car, but only A$1,600 if it is a petrol car of the same price, because the petrol car needs a A$11,000 after-tax contribution to clear FBT.
Australia CGT Discount: Tax on a A$100,000 Share or Property Gain at Each Income, 2026-27 vs 2027-28
In Australia, a A$100,000 capital gain on shares or an established property sold in 2026-27 costs A$16,350 in tax for someone earning A$90,000, thanks to the 50% CGT discount; the same sale in 2027-28, with the discount withdrawn, costs A$35,850.
Franking Credits in Australia: What a Fully Franked A$7,000 Dividend Is Worth at Each Tax Rate
In Australia, a fully franked A$7,000 dividend carries a A$3,000 franking credit, so a shareholder with no other income keeps A$10,000 after a refund, while one on A$250,000 keeps A$5,300 after paying A$1,700 more tax.
Australia Take-Home Pay 2026-27: Residents vs Foreign Residents on A$50k to A$200k
On a A$100,000 salary in Australia in 2026-27, a resident takes home A$77,800 and a foreign resident A$70,000, a gap of A$7,800 a year that narrows to A$5,950 at A$200,000.
Australia Division 293 Tax and the First Home Super Saver Scheme in 2026-27: What Each Costs or Pays
In Australia in 2026-27, Division 293 adds 15% tax on super contributions once income plus contributions passes A$250,000, costing A$3,750 a year on A$25,000 of contributions, while the First Home Super Saver scheme can release up to A$50,000 of contributions plus earnings.
Australia Medicare Levy 2026-27: What You Pay on Typical Incomes, and the Low-Income Reduction
Australia's Medicare levy is 2% of taxable income, but a single person pays nothing up to A$28,011 and only A$198.90 on A$30,000, rising to the full A$1,200 on A$60,000; families with children start paying much later, from A$55,914 with two children.