Visa Journey
Total Cost of Immigrating to Australia: Budgeting for Your Move 12 min read
Cost & time · Stage 7

Total Cost of Immigrating to Australia: Budgeting for Your Move

Moving to Australia costs far more than the visa application fee alone. From skills assessments and health checks to settlement expenses, understanding every cost upfront helps you avoid financial surprises on your migration journey.

J
Jessica Zhong
18 January 2026 12 min read
Quick Decision
  • Use the decision tree below to identify your dominant cost profile before reading further.
  • → SPONSORED BY AN EMPLOYER (482 or 186 visa):
  • Your personal out-of-pocket costs are lower — many fees are employer-borne — but check your employment contract for cost-recovery clauses. Primary concern: Skilling Australians Fund levy and sponsorship obligations on the employer's side. Read the employer sponsorship section.
  • → SKILLED INDEPENDENT OR NOMINATED (189, 190, or 491 visa):
  • You bear all government fees personally. With a partner and two children, expect total government fees alone to exceed AUD $20,000As of July 2025 · homeaffairs.gov.au. The skills assessment and EOI preparation phase adds a meaningful layer on top. Read the full skilled migration cost breakdown.
  • → APPLYING FROM SOUTH AFRICA OR PAKISTAN (or other long-haul origins):
  • Flight costs, currency conversion losses, and document authentication add a material premium over applicants already in Australia. Read the country-specific cost sections.
  • → EMPLOYER CONSIDERING SPONSORING AN OVERSEAS WORKER:
  • Your cost structure is entirely different — dominated by the SAF levy, sponsorship application fees, and potential legal/agent costs. Skip to the employer sponsorship section.
  • If your situation doesn't fit neatly into the above, read on for the full picture.

At VJ Consulting and Education, we understand that the true cost of immigrating to Australia extends well beyond the visa application fee itself.

How much will it cost to immigrate to Australia?

The honest answer is that total costs range from approximately AUD $7,000As of 2025 · homeaffairs.gov.au for a single applicant on a straightforward employer-sponsored pathway to upwards of AUD $50,000As of 2025 · homeaffairs.gov.au for a family pursuing an independent skilled visa with relocation from overseas. To make this concrete, it helps to apply a three-phase cost model.

Phase 1 — Pre-lodgement: This includes the skills assessment (typically AUD $500–$1,200As of current · homeaffairs.gov.au depending on the assessing authority), English language testing at around AUD $385As of 2025 · ielts.org, document translation and certification, and migration agent fees if used (commonly AUD $3,000–$6,000As of 2025 · mara.gov.au for a full skilled visa application).

Phase 2 — Government visa fees: The 189 visa application fee is AUD $4,640 for the primary applicantAs of July 2025 · homeaffairs.gov.au for the primary applicant, with secondary applicants aged 18 and over attracting AUD $2,320As of July 2025 · homeaffairs.gov.au and children AUD $1,160As of July 2025 · homeaffairs.gov.au. Health examinations run approximately AUD $300–$600 per adultAs of current · homeaffairs.gov.au per person. Police clearances vary by country but budget AUD $200–$600As of 2025 · homeaffairs.gov.au for a family.

Phase 3 — Relocation and settlement: International freight or a shipping container typically costs AUD $3,000–$8,000As of 2025 · moving industry estimates, flights for a family of four from Europe or Africa run AUD $4,000–$10,000As of 2025 · airline estimates, and you should hold at least AUD $10,000–$15,000As of 2025 · settlement service benchmarks as a cash buffer for bond, first month's rent, and living costs before your first pay cheque. The key point is that Phase 3 often exceeds Phase 2, yet it rarely appears in online cost guides.

How much does it cost to emigrate from South Africa?

For South African applicants, the total cost of immigrating to Australia carries two premiums that applicants from closer origin countries do not face: a significant currency conversion drag and above-average authentication requirements. In applications handled by VJCE, South African applicants frequently underestimate the cumulative weight of skills assessments, medical examinations, and document authentication fees, which together can make the overall budget significantly higher than initial online estimates suggest.

On the currency side, all Australian government fees are payable in Australian dollars. At a conversion rate of approximately R12.50 per AUDAs of mid-2025 · xe.com, a primary applicant's 190 visa fee of AUD $4,640As of July 2025 · homeaffairs.gov.au translates to roughly R58,000As of mid-2025 · xe.com before bank transfer costs. For a family, the total government fees can represent multiple months of South African professional salary, which makes the financial planning horizon considerably longer than for applicants already earning in Australian dollars.

On document authentication, South Africa requires apostilles from the Department of International Relations and Cooperation (DIRCO) for educational qualifications, police clearances, and civil documents. In practice, the SAPS police clearance process can take 6–10 weeksAs of 2025 · saps.gov.za, and delays here can affect the entire application timeline. Budget AUD $400–$800As of 2025 · dirco.gov.za for apostilles, translations, and courier costs.

Professionally recognised occupations among South African applicants — engineering, nursing, accounting, and IT — generally require skills assessments from bodies like Engineers Australia or VETASSESS. The VETASSESS professional assessment fee is AUD $835As of 2025 · vetassess.com.au. Combined with flights of approximately AUD $1,800–$3,500As of 2025 · airline estimates per adult and a six-to-eight-week relocation cost buffer, South African applicants should plan for a total spend of AUD $25,000–$40,000As of 2025 · practitioner estimates for a couple with one or two children, all phases included.

How much does it cost to immigrate from Pakistan?

Pakistani applicants face a cost structure shaped by three specific factors: English language testing requirements (almost universally mandatory), high document authentication overhead, and the PKR-to-AUD exchange rate, which amplifies government fees substantially.

The most common English tests — IELTS Academic or PTE Academic — cost approximately AUD $385As of 2025 · ielts.org per sitting in Pakistan, but many applicants sit the test two or three times before reaching the required score band for skilled migration. Budget AUD $800–$1,200As of 2025 · ielts.org conservatively for testing costs across multiple attempts. At current exchange rates of approximately PKR 225 per AUDAs of mid-2025 · xe.com, the 491 visa primary applicant fee of AUD $4,640As of July 2025 · homeaffairs.gov.au represents roughly PKR 1,044,000As of mid-2025 · xe.com.

Document requirements for Pakistani applicants typically include HEC-attested degree certificates, Federal Investigation Agency (FIA) police clearances, and in some cases NADRA verification. The combined cost of these, including courier fees, runs approximately AUD $300–$600As of 2025 · practitioner estimates. Skills assessments for engineers are conducted by Engineers Australia (AUD $770As of 2025 · engineersaustralia.org.au) and for IT professionals by the Australian Computer Society at AUD $530As of 2025 · acs.org.au.

One aspect many Pakistani applicants overlook is the cost of a legitimate migration agent experienced with Pakistani documentation. In practice, applicants who use agents for skills assessment submissions tend to have fewer requests for further information, which saves time even if it adds AUD $1,500–$3,000As of 2025 · mara.gov.au to the upfront budget. Total cost for a single applicant from Pakistan, visa plus preparation plus relocation, typically falls in the range of AUD $15,000–$25,000As of 2025 · practitioner estimates.

How much does it cost to sponsor an overseas worker?

Employer sponsorship costs are dominated by the Skilling Australians Fund (SAF) levy, and this is where most employers are surprised. The SAF levy is not a one-off fee — it is payable annually for the duration of the sponsored worker's visa, and the rate depends on business turnover and visa subclass. VJ Consulting advisors generally recommend that employers seeking to sponsor overseas workers build a substantial financial buffer into their planning, as SAF levy obligations and associated compliance costs can be considerably higher than the headline visa charge alone.

For the 482 visa (Skills in Demand), small businesses with annual turnover under AUD $10 millionAs of current · homeaffairs.gov.au pay AUD $1,200 per yearAs of current · homeaffairs.gov.au per sponsored worker, while large businesses pay AUD $1,800 per yearAs of current · homeaffairs.gov.au. For a four-year 482 visa, this means the SAF levy alone costs a small business AUD $4,800As of current · homeaffairs.gov.au or a large business AUD $7,200As of current · homeaffairs.gov.au per worker, before any other fee is paid.

The sponsorship application fee (standard business sponsorship) is AUD $420As of July 2025 · homeaffairs.gov.au. The nomination application fee is AUD $330As of July 2025 · homeaffairs.gov.au. The visa application fee for the primary applicant is AUD $3,115As of July 2025 · homeaffairs.gov.au, with secondary adult applicants at AUD $1,560As of July 2025 · homeaffairs.gov.au.

Legal and agent fees for employer-side sponsorship work commonly run AUD $3,000–$6,000As of 2025 · mara.gov.au for a full submission. Employers should also account for the cost of the worker's health examination and any police clearance reimbursements, which many choose to cover as part of the offer package. Total employer-side cost per worker, inclusive of SAF levy over a four-year visa, typically ranges from AUD $12,000–$20,000As of 2025 · practitioner estimates.

How much is immigration costing in Australia?

This question is being asked from two perspectives in public discourse: what is the fiscal cost to the Australian government and taxpayer, and what is the aggregate economic contribution of the immigration programme. Both angles are relevant to prospective migrants because they shape policy settings and future visa programme design.

On the government revenue side, visa application charges collected by the Department of Home Affairs represent a significant revenue stream. The primary skilled migration visa fees have risen meaningfully — the 189 fee increased from AUD $4,115As of pre-July 2023 · homeaffairs.gov.au to the current AUD $4,640As of July 2025 · homeaffairs.gov.au — reflecting both cost recovery and demand management. The SAF levy, introduced in 2018, has collected substantial funds redirected to vocational training.

For the individual migrant, the more immediately relevant figure is the cost of living in Australia post-arrival, which functions as an ongoing immigration cost. Median weekly rent in Sydney sits at approximately AUD $680 per weekAs of Q1 2025 · domain.com.au for a two-bedroom unit, and in Melbourne at around AUD $580 per weekAs of Q1 2025 · domain.com.au. Grocery costs for a couple average approximately [GROCERY_COUPLE].

In practice, the first three months after arrival are typically the most expensive — before rental references are established, before Australian employer relationships are built, and often before superannuation and Medicare coverage is fully active. Maintaining a cash buffer of [ARRIVAL_BUFFER] for a couple is not conservative; it is prudent.

How much does the AAT review cost?

The AAT (Administrative Appeals Tribunal, now restructured as the Administrative Review Tribunal or ART from 14 October 2024As of October 2024 · aat.gov.au) review process is a significant cost consideration that many applicants do not budget for at the outset, treating it as an unlikely contingency. This is where applications often go wrong financially — a refusal late in the process can trigger review costs that equal or exceed the original application spend.

The current lodgement fee for a migration review matter is AUD $3,496As of July 2025 · aat.gov.au. This fee is payable upfront and is partially refundable (AUD $1,748As of July 2025 · aat.gov.au) if the review is decided in the applicant's favour. The refund mechanism is important: it means a successful challenge returns roughly half the fee, but applicants must have the full amount available at lodgement.

Beyond the tribunal fee, legal representation at AAT level is substantively more complex than initial application work. A registered migration agent handling a merit review typically charges AUD $5,000–$15,000As of 2025 · mara.gov.au depending on the complexity of the matter, the volume of evidence required, and whether a hearing is scheduled or the matter is determined on the papers. Judicial review in the Federal Circuit and Family Court adds further cost layers.

The practical implication: if your visa application has any material vulnerability — a borderline skills assessment, character issues, or a complex relationship history — factor AAT costs into your contingency budget from the start. Applicants who budget AUD $10,000–$20,000As of 2025 · practitioner estimates as a contingency for review proceedings are in a far stronger position than those who have exhausted their funds by the time a refusal arrives.

Is salary higher in Australia or Canada?

In nominal terms, Australia pays more across most skilled occupation categories, and this is not a close comparison once purchasing power is adjusted for sector and location. Australia's median full-time weekly earnings sit at approximately AUD $1,900As of 2024-25 · abs.gov.au, equivalent to an annual salary of around AUD $98,800As of 2024-25 · abs.gov.au. Canada's median employment income is approximately CAD $62,900As of 2023 · statcan.gc.ca, which converts to roughly AUD $70,000–$73,000As of mid-2025 · xe.com at current exchange rates. From cases processed at VJCE, skilled migrants who factor salary comparisons into their relocation decision often find that Australian compensation packages are meaningfully stronger in net terms, though individual outcomes vary widely by occupation, state, and employer.

The gap widens further when comparing minimum wages. Australia's national minimum wage is AUD $24.10 per hourAs of July 2025 · fairwork.gov.au, compared to Canada's federal minimum of CAD $17.75 per hourAs of 2025 · canada.ca, which converts to approximately AUD $19.70As of mid-2025 · xe.com.

For skilled migration purposes, Australia's Temporary Skilled Migration Income Threshold (TSMIT) — the minimum salary at which an employer can sponsor a worker on a 482 visa — is AUD $73,150As of July 2023 · homeaffairs.gov.au, which is already above Canada's median employment income. This threshold exists precisely to prevent wage arbitrage and protect both sponsored workers and local labour market conditions.

The practical position for a prospective migrant evaluating both destinations: Australia offers higher nominal and real wages across engineering, healthcare, construction, and professional services. Canada may offer faster processing for certain visa categories and a lower initial cost of immigration, but the long-term income trajectory in Australia is generally more favourable for skilled workers in trade and professional occupations.

Is it cheaper to live in Australia or the UK?

The cost of living comparison between Australia and the UK depends heavily on which UK city you are comparing against, and on housing specifically. Against London, Australia is meaningfully cheaper. Against regional UK cities, the comparison becomes less clear-cut, particularly for housing.

Using a standard discretionary income framework — post-tax income minus fixed housing minus essentials equals discretionary — the picture becomes clearer. A software engineer earning GBP £60,000As of 2025 · gov.uk in London takes home approximately GBP £43,500As of 2025 · gov.uk after tax, and after paying London median rent of GBP £2,200 per monthAs of Q1 2025 · ons.gov.uk, has roughly GBP £17,100As of 2025 · practitioner estimates annually for discretionary spending. The same engineer in Sydney earning AUD $120,000As of 2025 · abs.gov.au takes home approximately AUD $87,000As of 2025 · ato.gov.au after tax and superannuation, and after paying Sydney median rent of AUD $35,360As of Q1 2025 · domain.com.au for a two-bedroom unit, retains approximately AUD $51,640As of 2025 · practitioner estimates in discretionary income.

Groceries and utilities in Australia are broadly comparable to the UK, with energy costs higher in Australia in recent years due to grid pressures. Healthcare costs are structurally lower for Australian permanent residents and citizens through Medicare, whereas NHS access is free but waiting times vary significantly. Private health insurance in Australia, often used to avoid the Medicare Levy Surcharge, costs approximately AUD $3,500–$5,000 per yearAs of 2025 · privatehealth.gov.au for a couple. On balance, Australia offers greater purchasing power for skilled workers compared to London and comparable larger UK cities.

How much do construction workers get in Australia?

Construction wages in Australia are among the strongest in the developed world for trade occupations, driven by sustained infrastructure demand, strong union coverage, and skill shortages across most states. The figures below are particularly relevant to migrants considering the 491 visa regional pathway or employer sponsorship under the 482 visa for trade roles.

A registered carpenter earns approximately AUD $75,000–$95,000As of 2025 · fairwork.gov.au per year under enterprise agreements, with site allowances and overtime commonly adding AUD $10,000–$20,000As of 2025 · fairwork.gov.au on top of base rates. Electricians under the relevant national electrical award earn a minimum base of approximately AUD $78,000As of 2025 · fairwork.gov.au, with journeyman-level practitioners on active project sites frequently earning AUD $100,000–$130,000As of 2025 · fairwork.gov.au when overtime and industry allowances are included.

Civil construction — road, rail, and infrastructure — pays premiums above residential construction. A plant operator or civil construction labourer on major infrastructure projects in Queensland or Western Australia commonly earns AUD $90,000–$120,000As of 2025 · fairwork.gov.au including allowances. Site managers and project engineers with five or more years of Australian experience regularly exceed AUD $150,000As of 2025 · abs.gov.au.

For immigration purposes, construction trade occupations appear on both the Medium and Long-term Strategic Skills List (MLTSSL) and various state nomination occupation lists, making them eligible for both independent and sponsored pathways. The key bottleneck for overseas-trained tradespeople is skills assessment and trade recognition — in practice this means engaging the relevant state licensing authority as well as the assessing body, which adds both time and cost to the visa preparation process.

Next Step

Budgeting accurately for an Australian visa requires knowing which fees apply to your specific visa subclass, family composition, and country of origin — figures that change with each financial year. If you have mapped your situation against the frameworks in this article and still have questions about the total cost or optimal visa pathway for your circumstances, the team at VJ Consulting includes MARA-registered agents who can provide a structured assessment of your eligibility and a realistic cost projection before you commit to any application spend.

This article is intended as general guidance only and does not constitute legal or migration advice. Visa requirements, fees, and processing times change regularly — always verify details on the relevant authority's official website before making decisions. For advice specific to your circumstances, consider consulting a MARA-registered migration agent.

References

  • Department of Home Affairs — Visa application charges and SAF levy: homeaffairs.gov.au
  • Fair Work Commission — National minimum wage and award rates: fairwork.gov.au
  • Australian Bureau of Statistics — Weekly earnings and labour force data: abs.gov.au
  • Administrative Review Tribunal — Review application fees: aat.gov.au
  • VETASSESS — Skills assessment fees: vetassess.com.au
  • Engineers Australia — Skills assessment fees: engineersaustralia.org.au
  • Australian Computer Society — Skills assessment fees: acs.org.au
  • Private Health Insurance Ombudsman — Premium benchmarks: privatehealth.gov.au
  • Domain.com.au — Median rental data: domain.com.au
  • Statistics Canada — Median employment income: statcan.gc.ca
  • Office for National Statistics UK — Earnings and rental data: ons.gov.uk

Related reading

For a full overview of timelines alongside costs, head to the How Long / How Much? stage; if you're also navigating temporary status while your application is processed, Visa Duration, Validity and Bridging Visa Conditions in Australia covers the key conditions you'll need to understand.

Frequently Asked Questions

Can an Australian employer legally recover visa sponsorship costs from the worker?

No — under the Migration Act 1958, sponsors are prohibited from transferring certain sponsorship-related costs to sponsored workers, including the SAF levy and nomination fees. Employers who include cost-recovery clauses in employment contracts face civil penalties. Workers who suspect a breach can report to the Department of Home Affairs.

Is the Australian visa application fee refundable if the visa is refused?

Generally, no. Visa application charges are non-refundable once the application has been assessed, regardless of the outcome. The only common exception is if the application is withdrawn before any processing begins, and even then refunds are not guaranteed. This reinforces the importance of strong application preparation before lodgement.

What is the typical cost of a skills assessment for Australian immigration?

Skills assessment fees vary by assessing authority and range from approximately AUD $300As of 2025 · homeaffairs.gov.au for some trade assessments to AUD $1,000–$1,200As of 2025 · homeaffairs.gov.au for professional-level assessments by bodies such as VETASSESS or Engineers Australia. Some authorities also charge additional fees for document-by-document assessment or overseas-qualified applicants.

How much does the immigration health examination cost in Australia?

The cost of the Department of Home Affairs required health examination varies by panel physician and by the tests required for your visa subclass and age. A standard examination for an adult typically costs between AUD $280–$450As of 2025 · homeaffairs.gov.au, with chest X-rays and additional tests adding further costs for applicants from high-prevalence tuberculosis countries.

Do children pay the same visa application fee as adults for Australian visas?

No — for most skilled and family visa subclasses, dependent children under 18 are charged a reduced secondary applicant fee, which is approximately half the adult secondary fee. For the 189 visa, the child fee is AUD $1,160As of July 2025 · homeaffairs.gov.au compared to AUD $2,320As of July 2025 · homeaffairs.gov.au for a secondary adult applicant.

What exchange rate should I use when budgeting for Australian visa costs?

For budgeting purposes, use a rate that is slightly more conservative than the current mid-market rate — typically add a 3–5% buffer to account for bank transfer fees and rate movements during the application period, which can span 12–24 months. Locking in a forward contract with a foreign exchange provider can protect against rate deterioration for large fee payments.

Are migration agent fees tax deductible in Australia?

Migration agent fees incurred to maintain or obtain a visa that is directly connected to employment in Australia may be deductible under section 8-1 of the Income Tax Assessment Act 1997, provided the applicant is already earning Australian assessable income at the time the expense is incurred. Fees paid before commencing Australian employment are generally not deductible. Confirm your specific circumstances with a registered tax agent.

*This article is intended as general guidance only and does not constitute legal or migration advice. Visa requirements, fees, and processing times change regularly — always verify details on the relevant authority's official website before making decisions.*
J
Jessica Zhong
Founder & Senior Migration & Education Consultant

With more than 10 years of industry experience, Jessica Zhong has assisted thousands of individuals and families with their Australian migration and education pathways. She specialises in student visas, skilled migration, employer-sponsored visas, partner visas and education planning.

Jessica is known for her client-focused approach, practical solutions and deep understanding of both the Australian education system and migration framework. She is committed to helping clients achieve their study, work and settlement goals in Australia.

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