For 19 Arvocado Street, Coburg North
Monthly reality
$5,819/mo
Repayments plus rates, insurance, and maintenance
Upfront cash, about$247,000
- 20% deposit$190,000
- Stamp duty estimate, at the general rate$52,070
- Transfer fee, Land Use Victoria$2,328
- Other buying costs, the rest of the 6%$2,602
How we got this
Arvocado cost model | as of 2026-07-06 | Model output from supplied price and assumptions.
Assumes 20% deposit, 6.2% p.a., 30-year loan. 6.2% is the RBA average rate on new owner-occupier home loans, July 2026 (table F6).; 0.35% of price each year. Arvocado assumption. Councils charge rates on property value, so this scales with the price until you have the rates notice.; 0.12% of price each year. Arvocado assumption. Building cover follows rebuild cost, which rises with the price, until you have a quote.; 1% of price each year. Arvocado assumption. A yearly set-aside for repairs that scales with the price; older homes often need more.
Your input
Victorian duty estimate
Land Use Victoria: transfer of land fee 2026-27, electronic lodgment (read 2026-09-27)
Typical market range
Arvocado cost model | as of 2026-07-06 | trueCostMonthlyRepaymentCents
Assumes 20% deposit, 6.2% p.a., 30-year loan. 6.2% is the RBA average rate on new owner-occupier home loans, July 2026 (table F6).
Arvocado assumption | as of 2026-07-06 | trueCostAnnualRatesEstimateCents
0.35% of price each year. Arvocado assumption. Councils charge rates on property value, so this scales with the price until you have the rates notice.
Arvocado assumption | as of 2026-07-06 | trueCostAnnualInsuranceEstimateCents
0.12% of price each year. Arvocado assumption. Building cover follows rebuild cost, which rises with the price, until you have a quote.
Arvocado assumption | as of 2026-07-06 | trueCostAnnualMaintenanceEstimateCents
1% of price each year. Arvocado assumption. A yearly set-aside for repairs that scales with the price; older homes often need more.
Calculation scope
Energy, water, internet and other bills you pay to live there. Add water above to count it.
Linked property estimate.
Per quarter, from the owners corporation. Leave blank if none.
Per quarter, from a recent bill. Leave blank to leave it out.
Loan repayments
Assumes 20% deposit, 6.2% p.a., 30-year loan
How this is worked out
Uses the selected deposit, rate, and standard loan term to estimate the monthly loan payment. 6.2% is the RBA average rate on new owner-occupier home loans, July 2026 (table F6).
$4,655/mo
Council rates
0.35% of price each year
How this is worked out
Applies the selected yearly rates percentage to the property price, then divides by 12. Arvocado assumption. Councils charge rates on property value, so this scales with the price until you have the rates notice.
$277/mo
$3,325/yr
Home insurance
0.12% of price each year
How this is worked out
Applies the selected yearly insurance percentage to the property price, then divides by 12. Arvocado assumption. Building cover follows rebuild cost, which rises with the price, until you have a quote.
$95/mo
$1,140/yr
Maintenance reserve
1% of price each year
How this is worked out
Sets aside the selected yearly maintenance percentage, then divides by 12. Arvocado assumption. A yearly set-aside for repairs that scales with the price; older homes often need more.
$792/mo
$9,500/yr
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True Cost of a $950,000 home
$5,819/mo
19 Arvocado Street, Coburg North
Not legal, planning, or financial advice.