Midwife: salary vs cost of living
Job Outlook publishes a full-time weekly-earnings figure of $2100 for Midwives. After estimated PAYG income tax, the 2% Medicare levy and any HECS-HELP compulsory repayment, take-home pay is approximately $1,468.65 per week.
From gross to take-home
| Component | Annual AUD | Weekly AUD |
|---|---|---|
| Gross salary | $109,200 | $2100 |
| Income tax (2024-25 resident scale) | -$23,548 | -$453 |
| Medicare levy (2%) | -$2,184 | -$42 |
| HECS-HELP compulsory repayment | -$7,098 | -$137 |
| Take-home pay | $76,369.8 | $1,468.65 |
| Without HECS | $83,467.8 | $1,605.15 |
Sanity check: income tax 23548 AUD plus Medicare and HECS-HELP repayment of $7098 AUD.
Rent as a share of take-home pay
The 30% threshold is the conventional definition of rental stress. Anything below is considered comfortable; anything above squeezes everything else.
| City | Unit rent (/wk) | % of take-home | House rent (/wk) | % of take-home |
|---|---|---|---|---|
| Adelaide | $460 | 31% | $580 | 39% |
| Brisbane | $580 | 39% | $650 | 44% |
| Canberra | $580 | 39% | $700 | 48% |
| Darwin | $600 | 41% | $700 | 48% |
| Geelong | $460 | 31% | $520 | 35% |
| Gold Coast | $620 | 42% | $800 | 54% |
| Hobart | $480 | 33% | $560 | 38% |
| Melbourne | $580 | 39% | $600 | 41% |
| Newcastle | $560 | 38% | $640 | 44% |
| Perth | $600 | 41% | $670 | 46% |
| Sydney | $720 | 49% | $780 | 53% |
Weekly earnings figure is sourced from Job Outlook (jobsandskills.gov.au). Tax and Medicare estimates use the 2024-25 ATO resident scale; HECS-HELP repayment uses the 2024-25 ATO Schedule. ExamExplained does not provide financial advice. For tailored advice, see a licensed financial adviser or registered tax agent.