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📍 Adelaide, South Australia

Mortgage Calculator — Adelaide

Free mortgage calculator for Adelaide residents. Local 2025 data including Adelaide property prices, wages and costs.

📍 Adelaide — Financial Snapshot 2025

Median house price: $650,000  |  Median weekly rent: $540/week
Median household income: ~$78,000/year  |  State: South Australia
Stamp duty note (SA): SA has no FHB stamp duty exemption for established homes. First Home Owner Grant of $15,000 for new homes.

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Mortgage Calculator for Adelaide — 2025

The Adelaide property and finance market in 2025 reflects Greater Adelaide conditions. With a median house price of approximately $650,000 and median weekly rents around $540, understanding your mortgage repayments, tax obligations and investment returns is essential for Adelaide residents making financial decisions.

Adelaide Property Market Overview

The Adelaide residential property market has a median house price of approximately $650,000 as of 2025. Units and apartments in Adelaide typically trade at 20–35% below house prices, offering a more accessible entry point for first home buyers. Rental vacancy rates in Adelaide have been tight, keeping rents elevated at approximately $540/week for houses.

Mortgage Considerations for Adelaide Buyers

At the Adelaide median house price of $650,000, a typical first home buyer with a 20% deposit would be borrowing approximately $520,000. At current SA variable rates (6.0–6.5% variable (2025)), monthly repayments on this amount over 30 years would be approximately $3,201. Adelaide-area lenders offer similar rates to national averages — a mortgage broker can compare options.

SA Stamp Duty for Adelaide Buyers

SA has no FHB stamp duty exemption for established homes. First Home Owner Grant of $15,000 for new homes. For a property at the Adelaide median price of $650,000, use our stamp duty calculator above to determine your exact duty obligation.

Renting in Adelaide

The Adelaide rental market averages approximately $540/week for houses and $442/week for units. Yield-conscious investors should note that rental yields in Adelaide typically range from 3.0–4.5%.

Frequently Asked Questions
How much can I borrow in Australia?

Most lenders apply a debt-to-income ratio of 6–7x gross income. On a $100,000 salary, you may borrow $550,000–$700,000 subject to your expenses, existing debts and APRA's 3% serviceability buffer. Your actual borrowing capacity varies significantly by lender and your financial circumstances.

What is the difference between fixed and variable rates?

Variable rates move with the RBA cash rate — offering flexibility (extra repayments, offset accounts) but uncertainty. Fixed rates lock in a set rate for 1–5 years — offering certainty but usually no offset and break costs if you exit early. Many Australians split their loan between fixed and variable portions.

What is LMI and how can I avoid it?

Lenders Mortgage Insurance (LMI) is required when your deposit is under 20% of the purchase price (LVR above 80%). It protects the lender (not you) and can cost $5,000–$40,000+ depending on loan size. To avoid it: save a 20% deposit, use a guarantor, or access government schemes like the First Home Guarantee which allows eligible FHBs to buy with 5% deposit and no LMI.

What is a comparison rate?

A comparison rate combines the interest rate and most fees into a single annual percentage showing the true loan cost. It makes comparing loans from different lenders more straightforward. Always compare comparison rates — a low headline rate with high fees can cost more over time than a slightly higher rate with no fees.

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