Cities · Sep 2026

Pay and a house, other cities

Why this matters. Pay and a house price in another city are published figures next to an Australian city. Tax in the other country is not taken off unless the row says so. It is not a visa and not a job offer.

A starting salary for a GP or a specialist, take-home after a simple estimate of local tax, and a typical house price. New Zealand, Canada, the United States and the United Kingdom, next to Sydney and Melbourne.

FX to AUD is a snapshot, not a live rate: NZD 0.91, CAD 1.08, USD 1.52, GBP 1.98.

City	Gross	Tax	Take-home	Take-home AUDSep 2026	Median house	Years of take-home
Sydney Australia	$400,000	$153,870	$246,130	$246,130	$1,734,000	7.0
Melbourne Australia	$380,000	$144,470	$235,530	$235,530	$1,050,000	4.5
Auckland New Zealand	NZD 280,000	NZD 90,829	NZD 189,171	$172,146	NZD 1,005,000	5.3
Wellington New Zealand	NZD 250,000	NZD 79,129	NZD 170,871	$155,493	NZD 770,000	4.5
Toronto Canada	CAD 450,000	CAD 200,807	CAD 249,193	$269,128	CAD 1,100,000	4.4
Vancouver Canada	CAD 420,000	CAD 178,512	CAD 241,488	$260,807	CAD 1,250,000	5.2
New York United States	USD 450,000	USD 186,971	USD 263,029	$399,804	USD 780,000	3.0
Los Angeles United States	USD 430,000	USD 170,772	USD 259,228	$394,027	USD 950,000	3.7
London United Kingdom	GBP 140,000	GBP 54,014	GBP 85,986	$170,253	GBP 540,000	6.3
Manchester United Kingdom	GBP 125,000	GBP 46,943	GBP 78,057	$154,554	GBP 250,000	3.2

Against Sydney

Sydney is 5 of 10 on take-home, 10 of 10 on the house

Same role, one gross illustration, tax taken off, house price divided by that year’s take-home. A higher rank on pay is more left in Australian dollars. A higher rank on the house is fewer years of take-home. Neither is a reason to move.

Take-home in AUD

1. New York$399,804 · +$153,674
2. Los Angeles$394,027 · +$147,897
3. Toronto$269,128 · +$22,998
4. Vancouver$260,807 · +$14,677
5. Sydney$246,130
6. Melbourne$235,530 · −$10,600
7. Auckland$172,146 · −$73,984
8. London$170,253 · −$75,877
9. Wellington$155,493 · −$90,637
10. Manchester$154,554 · −$91,576

Years of take-home to buy the house

1. New York3.0 years · -4.1
2. Manchester3.2 years · -3.8
3. Los Angeles3.7 years · -3.4
4. Toronto4.4 years · -2.6
5. Melbourne4.5 years · -2.6
6. Wellington4.5 years · -2.5
7. Vancouver5.2 years · -1.9
8. Auckland5.3 years · -1.7
9. London6.3 years · -0.8
10. Sydney7.0 years

Jobs, including Seek and overseas boards →Moving to Australia →

Sydney · Specialist

ATO resident brackets plus 2% Medicare levy. No state or local income tax. GST is not taken from pay.

Federal: $145,870
State: $0
Local: $0
Payroll: $8,000

Those four come off the wage. GST, VAT and sales tax do not — they are on the rate card below so you can still line them up with Australia’s 10% GST.

Domain, Sydney median house, June 2026.

House in AUD $1,734,000. Years is the house price divided by one year of take-home. It is not a mortgage, a deposit, or a visa.

Open the Australia · resident rate card

Rate cards

Same shape as the ATO resident table: the band, then the tax on that income. Federal, state, local and payroll are wage tax. GST, VAT and sales tax are listed so the comparison is not only income tax.

Australia · resident

Amounts in AUD.

Federaltaken from pay

ATO resident tax rates ↗

Income	Tax on this income
$0 – $18,200	Nil
$18,201 – $45,000	15c for each $1 over $18,200
$45,001 – $135,000	$4,020 plus 30c for each $1 over $45,000
$135,001 – $190,000	$31,020 plus 37c for each $1 over $135,000
$190,001 and over	$51,370 plus 45c for each $1 over $190,000

Statenot taken from pay

Income	Tax on this income
None on wages	No state income tax.

Localnot taken from pay

Income	Tax on this income
None on wages	No local income tax.

Payrolltaken from pay

ATO Medicare levy ↗

Income	Tax on this income
Medicare levy	2% of taxable income. Shade-in under about $35k is omitted.

GST / VAT / salesnot taken from pay

ATO GST ↗

Income	Tax on this income
GST 10%	On most goods and services. Not deducted from salary.

New Zealand · resident

Amounts in NZD.

Federaltaken from pay

IRD individual rates ↗

Income	Tax on this income
$0 – $15,600	10.5%
$15,601 – $53,500	17.5%
$53,501 – $78,100	30%
$78,101 – $180,000	33%
$180,001 and over	39%

Statenot taken from pay

Income	Tax on this income
None on wages	No state income tax.

Localnot taken from pay

Income	Tax on this income
None on wages	No local income tax.

Payrolltaken from pay

ACC earner levy ↗

Income	Tax on this income
ACC earner levy	1.67% up to $152,790 of earnings.

GST / VAT / salesnot taken from pay

IRD GST ↗

Income	Tax on this income
GST 15%	Not deducted from salary.

United Kingdom · England

Amounts in GBP.

Federaltaken from pay

GOV.UK income tax ↗

Income	Tax on this income
Personal allowance	£12,570 tax-free. Falls £1 for every £2 over £100,000.
Basic rate	20% on the next £37,700
Higher rate	40% until £125,140
Additional rate	45% above £125,140

Statenot taken from pay

Income	Tax on this income
None on wages	England has no state income tax. Scotland uses different bands.

Localnot taken from pay

Income	Tax on this income
None on wages	Council tax is on the home, not on wages. It is not in the take-home figure.

Payrolltaken from pay

GOV.UK National Insurance ↗

Income	Tax on this income
Employee NI	8% between £12,570 and £50,270, then 2%.

GST / VAT / salesnot taken from pay

GOV.UK VAT ↗

Income	Tax on this income
VAT 20%	Standard rate. Not deducted from salary.

Canada · Ontario

Amounts in CAD.

Federaltaken from pay

CRA federal rates ↗

Income	Tax on this income
Up to $58,523	14%, less a basic personal credit
$58,524 – $117,045	20.5%
$117,046 – $181,440	26%
$181,441 – $258,482	29%
Over $258,482	33%

Statetaken from pay

Ontario personal income tax rates ↗

Income	Tax on this income
Up to $53,891	5.05%, less a basic credit
$53,892 – $107,785	9.15%
$107,786 – $150,000	11.16%
$150,001 – $220,000	12.16%
Over $220,000	13.16%, plus Ontario surtax on the provincial tax

Localnot taken from pay

Income	Tax on this income
None on wages	Toronto has no city income tax.

Payrolltaken from pay

CRA payroll ↗

Income	Tax on this income
CPP and EI	Employee CPP 5.95% and EI 1.63%, each with a ceiling.

GST / VAT / salesnot taken from pay

CRA GST/HST ↗

Income	Tax on this income
HST 13%	Ontario. Federal 5% plus provincial 8%. Not deducted from salary.

Canada · British Columbia

Amounts in CAD.

Federaltaken from pay

CRA federal rates ↗

Income	Tax on this income
Up to $58,523	14%, less a basic personal credit
Over $58,523	Same federal bands as Ontario

Statetaken from pay

BC income tax ↗

Income	Tax on this income
Up to $49,279	5.06%
$49,280 – $98,560	7.7%
$98,561 – $113,158	10.5%
$113,159 – $137,407	12.29%
$137,408 – $186,306	14.7%
$186,307 – $259,829	16.8%
Over $259,829	20.5%

Localnot taken from pay

Income	Tax on this income
None on wages	Vancouver has no city income tax.

Payrolltaken from pay

CRA payroll ↗

Income	Tax on this income
CPP and EI	Same employee CPP and EI ceilings as Ontario.

GST / VAT / salesnot taken from pay

BC PST ↗

Income	Tax on this income
GST 5% + PST 7%	Not combined into one HST. Not deducted from salary.

United States · New York City

Amounts in USD.

Federaltaken from pay

IRS brackets ↗

Income	Tax on this income
Standard deduction	$15,750 single, then the brackets below on what’s left
10% / 12% / 22% / 24%	Up to $197,300 of taxable income
32% / 35% / 37%	From $197,301, then $250,526, then $626,351

Statetaken from pay

New York State tax tables ↗

Income	Tax on this income
Up to $80,650	4% to 5.5%
$80,651 – $215,400	6%
$215,401 – $1,077,550	6.85%
Over $1,077,550	9.65% on the top slice

Localtaken from pay

New York City tax rate schedule ↗

Income	Tax on this income
New York City	About 3.078% to 3.876%. Most of a doctor’s income is at 3.876%.

Payrolltaken from pay

IRS Social Security and Medicare ↗

Income	Tax on this income
Social Security	6.2% up to $176,100
Medicare	1.45%, plus 0.9% over $200,000

GST / VAT / salesnot taken from pay

New York sales tax ↗

Income	Tax on this income
Sales tax	No GST. NYC combined rate is often 8.875%. Not deducted from salary.

United States · California

Amounts in USD.

Federaltaken from pay

IRS brackets ↗

Income	Tax on this income
Same federal card as New York	Single standard deduction, then 10% to 37%.

Statetaken from pay

California FTB rates ↗

Income	Tax on this income
1% to 8%	Lower bands up to about $72,724
9.3%	The wide band most doctor income sits in, to about $371,479
10.3% / 11.3% / 12.3%	Above that
13.3%	12.3% plus 1% mental health tax over $1,000,000

Localnot taken from pay

Income	Tax on this income
None on wages	Los Angeles has no city income tax.

Payrolltaken from pay

IRS Social Security and Medicare ↗

Income	Tax on this income
Same as New York	Social Security ceiling, Medicare, extra 0.9%. State disability omitted.

GST / VAT / salesnot taken from pay

California sales tax ↗

Income	Tax on this income
Sales tax	State base 7.25%. Los Angeles County is higher. Not deducted from salary.

ATO resident rates ↗IRD tax rates ↗UK income tax ↗CRA ↗IRS ↗REINZ ↗Domain house prices ↗

Gross figures are a starting illustration for a mid-career doctor, not a survey and not a job offer. UK pay is closer to an NHS consultant. US pay is closer to private practice. Single resident employee. No pension relief beyond what is already inside the brackets.

Next: Moving to Australia — Registration, visa and fees if the move is to Australia.

Also

Tax · 2026–27

Income tax calculator

Australian brackets in more detail.

Income · tax office 2023–24

Income by specialty

ATO taxable income by specialty, at home.

Jobs · 9 Oct 2026

Jobs

Public hospitals, Seek, and overseas boards.

What doctors often miss

Each city uses the published pay point named on its row. Tax in the other country is not taken off.

Included / Not included

Included

The published pay points named on each table · date on the table

Not included

Tax in the other country
AHPRA registration and a visa
The cost of moving
Superannuation portability
Insurance and stamp duty in the other city

Assumptions you can edit are the inputs on this page. This is a model, not a prediction, a tax assessment, or a recommendation.

A rough figure — not advice. Terms

Advertisement — labelled, never inside the number.

Pay and a house, other cities

Sydney is 5 of 10 on take-home, 10 of 10 on the house

Take-home in AUD

Years of take-home to buy the house

Sydney · Specialist

Rate cards

Australia · resident

New Zealand · resident

United Kingdom · England

Canada · Ontario

Canada · British Columbia

United States · New York City

United States · California

Also

What doctors often miss

Included / Not included

Sources used