Your city · Australia
What the latest RBA decision means in your city
Repayments on a typical home in Sydney, before and after the most recent central bank decision. Change any assumption.
We started with Sydney. Pick your city above. Location is guessed on our own server from a local database and never stored. How this works.
Change in the monthly repayment
+A$196 a month
RBA rise of 0.25 pt on 3 November 2026, if your lender passes it on in full.
- Home price usedA$1,487,600
- Loan (after deposit)A$1,190,080
- Monthly repayment before, at 6.45%A$7,483
- Monthly repayment after, at 6.70%A$7,679
- Fortnightly repayment, before → afterA$3,452 → A$3,543
- Total repaid over the loan, beforeA$2,693,889
- Total repaid over the loan, afterA$2,764,557
- Extra paid over the life of the loan+A$70,668
Where the defaults come from
Home price:
Rates: before = Freddie Mac PMMS for the week of October 22, 2026, the last survey before the Fed’s October 28, 2026 decision (30-yr 7.32%, 15-yr 6.68%). After = latest survey, week of October 29, 2026 (30-yr 7.24%, 15-yr 6.60%). Fixed mortgage rates follow bond markets, not only the Fed, so this is the change since the decision, not a change caused only by it. Excludes taxes, insurance and PMI.
Home price: ABS median price of established house transfers, Greater Sydney, 2026 Q2 (preliminary).
Rates: before = the RBA’s average rate on new owner-occupier variable loans, 6.20% for August 2026 (Statistical Table F6, series FLRHOFVA), plus 0.25 pt for earlier cash rate changes that took effect after that month, assumed passed on in full (6.45%). After = that rate plus the 0.25 pt change in the cash rate target effective 4 November 2026, assuming the lender passes it on in full. Principal and interest. Fortnightly figures use 26 repayments a year with interest charged each fortnight.
Standard amortisation formula. Not a lender quote, not advice. Full method: Data & methodology.
Monthly change by city
Change in the monthly repayment on a typical home with a 20% deposit and a 30-year loan, using the same rates as above. Australian dollars.
Capital cities
All cities
Defaults above: 20% deposit, 30-year loan. Variable rate, principal and interest. Download table (CSV)
| City | Home price | Monthly before | Monthly after | Change |
|---|---|---|---|---|
| Sydney | A$1,487,600 | A$7,483 | A$7,679 | +A$196 |
| Melbourne | A$850,000 | A$4,276 | A$4,388 | +A$112 |
| Brisbane | A$1,155,000 | A$5,810 | A$5,962 | +A$152 |
| Adelaide | A$975,000 | A$4,905 | A$5,033 | +A$129 |
| Perth | A$1,010,000 | A$5,081 | A$5,214 | +A$133 |
| Hobart | A$750,000 | A$3,773 | A$3,872 | +A$99 |
| Darwin | A$752,500 | A$3,785 | A$3,885 | +A$99 |
| Canberra | A$1,030,000 | A$5,181 | A$5,317 | +A$136 |
Sources: Australian Bureau of Statistics, Residential Dwellings: medians by GCCSA (© Commonwealth of Australia, CC BY 4.0); Reserve Bank of Australia, Cash Rate Target and Statistical Table F6 (© RBA, CC BY 4.0). Approximate location: IP Geolocation by DB-IP (CC BY 4.0).