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Cost of Studying in Australia: The Hidden Expenses and Smart Savings for International Students

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5 min
Published: 15 May 2025
Updated: 12 May 2025

Australia is a popular destination for international students because of its top universities, diverse student population, beautiful cities and natural sights. Part of deciding whether Australia is right for you is knowing what costs are involved. There is a lot to take into consideration, from tuition fees to accommodation, food, and utilities, so we have put together a breakdown of what to expect during your studies, how to save money, and financial aid opportunities for students like you.

Pre-Arrival Costs: Essential Budgeting Before Moving to Australia

Here are the pre-arrival expenses you should keep in mind before you come to Australia as an international student. They include:

Expense Category	Estimated Cost (AUD)
Student Visa Application (Subclass 500)	AUD $1600 (as of Jan 2025)
English Proficiency Test (IELTS, TOEFL, etc.)	AUD $300 – AUD $400
College/University Application Fees	AUD $50 – AUD $150 per institution
Health Insurance (OSHC)	AUD $478-$4,200 per year (single to family estimate, cost varies depending on the individual and the months of coverage needed). Consult Allianz Care Australia for an accurate quote.

These costs are one-time expenses but are essential for a smooth transition into studying in Australia.

A person highlights a paper diagram labeled Monthly Expenses with categories like housing, insurance, food, transport, clothing, entertainment, internet, and mobile communications. Three highlighters are at the top.

Food, Transport, and Everyday Expenses: Budgeting for Daily Life

Your cost of living in Australia depends on the city, your lifestyle, and your accommodation. We have put together a general monthly budget of what to expect in terms of average costs for an international student.

Expense Category	Average Cost Per Month (AUD)
Accommodation	AUD $600 – AUD $2,000 (shared apartments to private rentals)
Food & Groceries	AUD $780
Public Transport Pass	AUD $90 – AUD $220
Utilities (Electricity, Water, Internet, etc.)	AUD $150 - AUD $250
Entertainment & Social Activities	AUD $320 – AUD $600
Books and Study Materials	AUD $500 – AUD $1,000 per year

For the most accurate information, use the Government of Australia’s Cost of Living Calculator.

Living Expenses Across Major Australian Cities

Here is a general overview of the estimated average monthly cost of living for students in the major cities in Australia.

City	Estimated Average Monthly Cost (AUD)
Sydney	AUD $2.5 - AUD $4K
Melbourne	AUD $1.5K - AUD $2.5K
Brisbane	AUD $1.4K - AUD $3K
Adelaide	AUD $1,300 - AUD $3.3K
Canberra	AUD $1.4 - AUD $3.9K

For the most accurate results, input your own information into Study Australia’s Cost of Living Calculator.

Tuition Fees at Australian Universities

University fees in Australia for international students vary depending on the type of course, level of study, and university chosen. The estimated tuition fees per year are:

1. Undergraduate Degree:
Average Annual Cost: AUD $20K - AUD $45K
2. Master's Degrees:
Average Annual Cost: AUD $22K - AUD $50K
3. Doctoral Programs:
Average Annual Cost: AUD $18K - AUD $42K
4. Diplomas OR Vocational Degrees:
Average Annual Cost: AUD $4K - AUD $22K

Please note: These figures are subject to change, which is why it always makes sense to check the website of the university or program you are interested in, for updates or the latest information. You can also get in touch with IDP’s trained and expert counsellors for help or advice.

Additional Costs for International Students

Student Visa Fees and Financial Proof Requirement

A valid Australian study visa is required to study in Australia. According to the Government of Australia’s Study Australia page, the visa application fee is approximately AUD $1600 (as of January 2025), and students must show proof of sufficient funds (minimum of AUD $24,505 per year as of October 2023). To meet the visa requirements, students need to provide:

Bank statements showing available funds or deposits
Scholarship letters (if applicable)
Documents proving income

This ensures that students can afford tuition, living costs, and other essential expenses during their studies.

Overseas Student Health Cover (OSHC)

Health insurance is mandatory for international students. The cost varies based on coverage and your individual situation. For the most accurate information, consult Allianz Care Australia.

Coverage Type	Estimated Cost (AUD) per Year
Single Student	AUD $478
Couples	AUD $2,600
Families	AUD $4,200

Scholarships and Financial Aid: Reducing the Burden of Costs

Several scholarships and grants are available to international students, funded by the Australian Government and universities. Notable scholarships include:

Scholarship Name	Coverage
Australia Awards	Covers tuition fees, travel (economy class flight), and part of living expenses including OSHC.
Destination Australia Program (DAP)	Supports living and study expenses.
Australia APEC Women in Research Fellowship	Provides general financial support to female researchers from APEC economies.

Money-Saving Tips: How International Students Can Cut Expenses

Living in Australia can be expensive, but students can reduce their expenses by following these strategies:

Accommodation Savings

Consider shared housing or student dormitories instead of renting alone.
Look for affordable accommodation in the suburbs near university campuses.

Food & Grocery Savings

Shop at budget-friendly supermarkets like Aldi, Coles, and Woolworths.
Cook meals at home instead of dining out.

Transport Savings

Make use of student discounts on public transport and at grocery stores.
Walk and cycle where possible.

Textbooks & Study Materials

Buy second-hand books or borrow from the university library.
Use digital resources instead of purchasing hard copies.

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Planning Your Budget for a Successful Study Experience

Studying in Australia is an enriching experience, but it requires financial planning. Understanding tuition fees, living costs, and additional expenses can help you prepare for a successful academic journey without surprise costs. Scholarships, part-time work, and budgeting are all great ways to manage your expenses while enjoying life in Australia.

FAQ Section

Legal Disclaimer: IDP Canada is not a registered migration consultant and does not provide immigration services or provide immigration advice. The contents of this page are for general information only and is based on information from the Australian Government Department of Home Affairs website, which you can access through: https://www.homeaffairs.gov.au/. Information can change from time to time. For the most up to date information visit the website.