5% of $250,000
5% of $250,000.00
$12,500.00
5% of $250,000.00 is $12,500.00.
Quick answer
5% of $250,000 is $12,500. That's the deposit needed to buy an affordable $250,000 regional property under the First Home Guarantee scheme, which lets eligible first home buyers purchase with just 5% down and skip Lenders Mortgage Insurance — instead of the $50,000 a standard 20% deposit would require.
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5% of $250,000 is one of numbers, percentages and conversion tools on OneCalculate — see the full set for this category.
Browse MathsHow it works
To find a percentage of a number, multiply the number by the percentage and divide by 100:
result = base × (percent ÷ 100). For this page, that’s $250,000 × (5 ÷ 100) = $12,500. A deposit this size
sits comfortably within the First Home Guarantee, which lets eligible first home buyers purchase with just 5%
down and skip Lenders Mortgage Insurance (LMI) — see Moneysmart’s guide to
saving for a home deposit for how eligibility
and price caps work.
Worked example
Grace is a hospitality worker in Mildura, in Victoria’s Sunraysia region, and has found a two-bedroom house listed at $250,000 — well below what she’d pay for anything comparable in Melbourne. On her wage, saving a full 20% deposit would take years, so she’s looking at a low-deposit scheme instead. Using the formula: $250,000 × 5% = $12,500. That’s the deposit Grace needs to qualify for the First Home Guarantee, assuming the property falls under the scheme’s regional price cap and she meets the income test. At that price point, she expects to reach her savings goal within a year, letting her buy sooner than a standard 20% deposit would allow.
Frequently asked questions
What is 5% of $250,000?
5% of $250,000 is $12,500. You get this by multiplying $250,000 by 0.05 (or dividing by 20).
How do I calculate a home deposit percentage?
Multiply the property price by the deposit percentage expressed as a decimal. For a 5% deposit on a $250,000 property, that's $250,000 × 0.05 = $12,500.
Can I buy a $250,000 property with a 5% deposit?
Yes, if you're eligible for a low-deposit scheme like the First Home Guarantee, which allows eligible first home buyers to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance.
Are regional properties cheaper to buy with a small deposit?
A lower purchase price means a smaller dollar deposit for the same percentage — 5% of a $250,000 regional property is $12,500, well under the $30,000+ a similar deposit on a typical capital city property would need.
What would a 20% deposit be on a $250,000 property?
A 20% deposit on $250,000 is $50,000, four times the 5% deposit amount, but it would avoid Lenders Mortgage Insurance.
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Written and verified by Nirbhay Tripathi
Last updated 18 August 2026
All rates on this page are verified againstMoneysmart — Saving for a home depositon 18 August 2026. See our methodology for the full update calendar.