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A typical Police Officer salary of $92,000 is $72,360 a year after income tax and the Medicare levy for the 2026–27 financial year — about $6,030 a month or $1,392 a week in take-home pay, before any HELP/HECS repayment.
After tax, a $92,000 Police Officer salary works out to about $278 a day or $36.62 an hour, based on a standard 38-hour week.
Income tax and the Medicare levy are worked out on taxable income of $91,000, not on the full $92,000: from the 2026-27 income year every wage earner deducts a standard work-expense deduction of up to $1,000 (s25-130), and this page assumes no work-expense claims of your own. Claiming more than $1,000 of work expenses replaces the standard deduction rather than adding to it. Your pay itself does not change — the deduction lowers the tax on it, not the amount your employer pays you.
This assumes you hold private hospital cover and have no HELP/HECS debt. A HELP/HECS debt would take about $3,221 a year off it, leaving $69,139. The Medicare levy surcharge does not apply at this income.
The $1,820 Medicare levy above uses the single-person low-income thresholds (nothing payable up to $28,011, shading in at 10c in the dollar to $35,013) — the thresholds currently legislated for 2026–27, which are usually raised for an income year after that year ends. With a spouse or dependent children the levy is worked out on combined family taxable income against $47,238 plus $4,338 per dependent child instead, so a family can owe less than shown here — or nothing. Seniors and pensioners entitled to SAPTO have higher thresholds again.
HELP/HECS debt: the figures above assume you have none. With one you would repay about $3,221 a year, lowering your take-home to roughly $69,139.
About these figures: these are indicative national full-time averages (ABS Employee Earnings and Hours, Jobs and Skills Australia occupation data and relevant awards, cross-checked against industry salary guides (2025)), not a Fair Work award or enterprise agreement rate. Your actual pay depends on your employer, state, experience and any applicable award — check your payslip, contract or award for your exact entitlement.
Four quick reads on what this income does for borrowing, study debt, saving and long-term wealth. Each uses one simple, stated assumption — open any calculator to use your real numbers.
Indicative maximum home loan, assuming about $4,000/mo living costs, a 6.5% rate and a 3% serviceability buffer over 30 years.
Use your real numbers →To clear a typical $27,000 HELP/HECS debt at this income — repaying about $3,221/yr to start, and assuming 4% a year indexation on the balance with 3% a year pay rises lifting the repayment.
Plan your payoff →To save a $100,000 deposit, putting aside 20% of your take-home (about $1,206/mo) at 4.5%.
Set your own goal →Your financial independence number — 25× about $50,652 of yearly costs. Investing 30% of take-home (about $1,809/mo) at 7% growth reaches it in ~23 yrs, a horizon set by that savings rate rather than by the size of the pay.
Run your numbers →Protective service work is uniformed and equipped, so clothing and laundry claims sit near the top of this group and appear on close to every return. Fitness testing, firearms and driver requalification and ongoing training add to that. Car claims are common because officers move between stations, courts and callouts, though the trip from home to a rostered station is still a private commute.
The ATO publishes how much every occupation group claimed in work-related expenses. In 2023-24, 179,613 people in the protective service workers group claimed a work-related expense deduction — and 19% of them claimed $1,000 or less, which the standard deduction now covers automatically without receipts. The remaining 81% claimed more than the standard deduction, which is where itemising still pays.
| Claim size | Share |
|---|---|
| $1 - $299 | 6% |
| $300 | 1% |
| $301 - $500 | 4% |
| $501 - $750 | 4% |
| $751 - $1,000 | 5% |
| $1,001 - $2,500 | 31% |
| More than $2,500 | 49% |
| Expense type | People claiming | Avg per claimant |
|---|---|---|
| Car expenses | 96,377 | $2,340 |
| Travel expenses | 28,029 | $985 |
| Uniform and clothing | 157,748 | $349 |
| Self-education | 18,698 | $1,454 |
| Other work expenses | 168,182 | $1,609 |
This is what people in this group did claim, not what you can claim. A claim above the typical range is not wrong — it needs records and a work-related purpose. Figures cover the protective service workers occupation group as a whole, not any single job within it.
Source: ATO Taxation Statistics 2023-24, individuals Table 18B (CC BY 2.5 AU).
Ranked on a single income of $92,000 ($72,360 take-home) plus a $100,000 cash deposit — a maximum purchase price of about $373,531 against each suburb's current median sale price. A second income, a larger deposit or a different lender moves every row.
Median sale prices are Oct–Dec 2025 and cover NSW, VIC and SA only — the states that publish an openly licensed suburb median we can republish. QLD, WA, TAS, NT and ACT have no such source, so their suburbs are left out of this ranking entirely rather than scored on older or unlicensed data. A list here is not a claim that nowhere else fits.
Plug your exact salary into the full calculator for HECS, super and salary sacrifice.
The typical (median) full-time Police Officer salary in Australia is $92,000, which works out to about $72,360 a year after income tax and the Medicare levy (2026–27) — roughly $6,030 a month or $1,392 a week. This assumes you hold private hospital cover and have no HELP/HECS debt. A HELP/HECS debt would take about $3,221 a year off it, leaving $69,139. The Medicare levy surcharge does not apply at this income.
Nationally, a Police Officer typically earns around $92,000 a year full-time, ranging from about $75,000 entry-level to $125,000 for senior/experienced roles.
On a $92,000 salary, employer superannuation is about $11,040 a year on top of pay, at the current super guarantee rate.
Take-home pay is about $60,800 a year entry-level versus $94,800 a year for a senior Police Officer, after tax (2026–27), before any HELP/HECS repayment.
On the $92,000 median, a HELP/HECS debt adds a compulsory repayment of about $3,221 a year, bringing take-home pay to roughly $69,139 instead of $72,360 (2026–27).
See the typical salary and take-home pay for common Australian jobs.
Rates checked against the ATO — verified 18 August 2026
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2026–27 financial year.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
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