Income Needed to Buy in Brisbane — How Much Do You Need in 2026?

Updated

Brisbane has experienced significant price growth since 2021 and is now Australia’s third most expensive major capital. In April 2026, the median dwelling price in Greater Brisbane is approximately $900,000 for houses and $630,000 for units. A single buyer targeting the median Brisbane house needs approximately $135,000–$160,000 gross per year.


Brisbane Median Property Prices (April 2026)

Property typeApproximate median price
Houses — Greater Brisbane~$900,000
Units — Greater Brisbane~$630,000
Houses — Inner Brisbane (≤10km)~$1,400,000–$2,500,000
Houses — Middle ring (10–20km)~$900,000–$1,300,000
Houses — Outer ring / growth areas~$600,000–$900,000
Units — Metro areas~$500,000–$750,000

Approximate estimates based on CoreLogic and ABS data at April 2026. Brisbane’s market grew strongly in the lead-up to the 2032 Brisbane Olympic Games.


Income Required by Property Type

Property typePrice (est.)20% depositLoanMonthly repayment (6%)Income needed
Brisbane median house$900,000$180,000$720,000$4,316~$135,000–$160,000
Brisbane median unit$630,000$126,000$504,000$3,022~$95,000–$115,000
Inner Brisbane house (~$1.5M)$1,500,000$300,000$1,200,000$7,194~$220,000–$260,000
Middle ring house (~$1M)$1,000,000$200,000$800,000$4,796~$150,000–$175,000
Outer suburb house (~$700k)$700,000$140,000$560,000$3,357~$105,000–$125,000

Brisbane Affordability by Suburb Tier

Inner Brisbane (≤10km from CBD)

Suburbs: New Farm, Teneriffe, South Brisbane, West End, Fortitude Valley, Paddington (Qld), Highgate Hill

  • Median house price: $1,400,000–$2,500,000+
  • Income required (single): $215,000–$375,000+
  • Income required (couple): $275,000–$450,000+

Middle Ring (10–20km)

Suburbs: Carindale, Holland Park, Mount Gravatt, Coorparoo, Stafford, Chermside, The Gap

  • Median house price: $850,000–$1,200,000
  • Income required (single): $130,000–$185,000
  • Income required (couple): $170,000–$230,000

Outer Ring / Growth Corridors (20–40km)

Suburbs: Ipswich, Logan, Springfield, Caboolture, Moreton Bay, Redlands

  • Median house price: $550,000–$800,000
  • Income required (single): $90,000–$125,000
  • Income required (couple): $120,000–$165,000

First Home Buyer Concessions in Queensland

ConcessionDetail
Stamp duty exemptionProperties up to $500,000 for FHBs (transfer duty)
Stamp duty concession$500,001–$550,000 (concessional rate)
First Home GuaranteeUp to $700,000 in QLD (5% deposit, no LMI)
First Home Owner Grant$30,000 for new builds (Queensland currently offers enhanced FHOG)

Strategic note: Queensland’s First Home Guarantee cap of $700,000 and stamp duty exemption threshold of $500,000 mean that Brisbane’s current median prices ($900,000 houses) are largely beyond the reach of FHB concessions. However, outer suburb properties at $550,000–$700,000 remain within concession territory.

Queensland also offers one of Australia’s more generous first home owner grants for new builds ($30,000 as at 2026 — verify current amount as this figure is periodically updated by the Queensland Government).


Deposit Requirements in Brisbane

Purchase price20% depositStamp duty (QLD, non-FHB est.)Total savings needed
$700,000$140,000~$26,775~$170,000
$800,000$160,000~$31,275~$195,000
$900,000$180,000~$35,775~$220,000
$1,000,000$200,000~$40,275~$245,000

Brisbane vs Sydney and Melbourne

MetricBrisbaneMelbourneSydney
Median house price~$900,000~$940,000~$1,450,000
Median unit price~$630,000~$620,000~$840,000
Income needed (median house, single)~$135,000–$160,000~$140,000–$165,000~$220,000–$260,000
FHB Guarantee cap$700,000$800,000$900,000
Strong economic driver2032 Olympics infrastructureState government projectsContinued tech and finance growth

Brisbane and Melbourne are now very similar in median price terms — both significantly more affordable than Sydney.


Strategies for Brisbane Buyers

Outer suburbs offer strong value. Moreton Bay, Logan, Ipswich, and Redlands offer established houses in the $550,000–$800,000 range — within FHB Guarantee territory and offering infrastructure investment from the 2032 Olympics corridor.

New build incentives. Queensland’s first home owner grant for new builds ($30,000) is one of the most generous in Australia. If you’re a first home buyer willing to purchase a new property, this is worth factoring in.

Units in inner Brisbane. Units at $550,000–$700,000 in the inner and middle rings are accessible on a single $95,000–$120,000 income and positioned well for rental yield (Brisbane yields are stronger than Sydney).

Track infrastructure spending. Major transport and venue infrastructure for the 2032 Olympics is expected to boost values in corridors around Olympic venues and transport nodes (South-East corridor, Ipswich line area).


FAQ

What salary do you need to buy a house in Brisbane?

For Brisbane’s median house (~$900,000) with a 20% deposit, approximately $135,000–$160,000 single income is needed. For outer suburb houses at $650,000–$750,000, $100,000–$130,000 is more achievable. Couples on $170,000–$200,000 combined are well-positioned for the Brisbane median.

Has Brisbane become expensive?

Yes — Brisbane has seen very strong price growth since 2021, with dwelling values increasing by approximately 50–60% from the pandemic low. This has closed much of the affordability gap with Melbourne. However, Brisbane still offers better value than Sydney and represents a more accessible entry point for interstate migrants.


Property prices are approximate, based on publicly available data at April 2026. For advice tailored to your situation, speak with a licensed mortgage broker. Find one through MoneySmart.