Affordability check · Sydney · NSW

Can I afford to live in Holroyd on $60,000/yr?

No — not on this salary
Weekly take-home
$962/wk
1BR median rent
$618/wk
Leftover after rent + tax + costs
-$80/wk
Rent share of gross
54%

The verdict

Holroyd on $60,000/yr

On $60,000/yr, Holroyd doesn't add up — typical costs would leave you $80/wk short. You need about $107,120/yr at the 30% rule.

Salary needed (30% rule)
$107,120
/yr gross
Short of 30% rule by
$47,120
/yr
Take-home (after tax)
$50,012
/yr
Annual rent
$32,136
median
Household:

Where your salary goes

$60,000/yr gross · $1,154/wk · single household

Tax + Medicare
$192/wk
16%
1BR rent
$618/wk
50%
Essentials
$424/wk
34%
Discretionary
-$80/wk

Essentials use indicative averages (groceries, transport, utilities, insurance, other). Adjust them in the budget tool below.

On $60,000/yr — weekly budget

$1,042/week total

Rent
$618/wk
Groceries
$180/wk
Transport
$55/wk
Utilities
$55/wk
Insurance
$45/wk
Other
$89/wk

Closest cheaper alternatives

Still over the 30% rule on $60,000/yr, but cheaper than Holroyd

Nothing nearby is comfortably affordable on this salary. These are the closest cheaper options — you'd still be over the rental-stress threshold, but less so.

Fairfield East
Sydney, NSW · 5.5km from Holroyd
$560/wk
49% rent
Villawood
Sydney, NSW · 6.2km from Holroyd
$560/wk
49% rent
Carramar
Sydney, NSW · 6.7km from Holroyd
$560/wk
49% rent
Guildford
Sydney, NSW · 3.2km from Holroyd
$600/wk
52% rent
Old Guildford
Sydney, NSW · 4km from Holroyd
$600/wk
52% rent

Want options under the 30% rule? Try a higher salary bracket or browse the cheapest suburbs nationally.

Rent trajectory

Holroyd quarterly median vs your salary's 30%-rule ceiling

$650$663$675$688$700Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Q1 '25 → Q1 '26: +4.6%
Dashed segments are estimated from the suburb's annual rent change. They will be replaced with actual bond data as new quarters are published.
30% ceiling on $60,000/yr
$346/wk
Current median (all beds)
$680/wk
Gap above ceiling
+97%

Holroyd rents rose 4.62% over the past year. At that pace, the gap to your salary ceiling is widening.

Same suburb, adjacent salary brackets

How affordability shifts in Holroyd with a pay change

↑ Higher
$75,000/yr
Holroyd
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This suburb affordability view is one layer of your NestLedger — rent, salary and household cost context for Australian money decisions.

Estimates only. Not financial advice. See methodology. Read more