What is the average mortgage repayment in Sydney?

On the Sydney median dwelling value ($1,190,000) with a 20% deposit and a 30-year loan at 6.14%, the monthly repayment is around $5,794.

How much deposit do I need to buy in Sydney?

A 20% deposit on the Sydney median is $238,000. Buyers entering with 5–10% can use the federal Home Guarantee Scheme to avoid LMI, subject to caps.

Are mortgage rates different in Sydney vs the rest of Australia?

Lender rates are set nationally, not by city. However loan size, LVR, and NSW-specific incentives can change your effective cost in Sydney.

Sydney mortgage guide 2026: repayments, deposits & NSW rules

2026 Sydney mortgage guide: repayments on the $1,190,000 median, NSW stamp duty, LMI and grants. Free Sydney mortgage calculator. Updated for current Australia