There was a time when $100,000 could buy you a house outright in Australia, but these days it'll barely qualify you for a 20 per cent deposit for a mortgage in the capital cities.
Thankfully, there are still plenty of pockets of regional Australia where $100,000, or much less, will get you a healthy 20 per cent deposit.
20 per cent is still considered the gold standard for home loan deposits, although some banks offer 10 per cent deposit loans, and the Federal government's First Home Loan Deposit Scheme allows some buyers to avoid paying lenders mortgage insurance with a deposit that is less than 20 per cent.
"You don't always need to have a 20 per cent deposit to buy a home. There are 5 per cent and 10 per cent home loan options where you can have a guarantor, access government support such as the First Home Loan Deposit Scheme, or pay Lenders' Mortgage Insurance (LMI), which could form part of your home loan option," explained Brad Cramb, who is CEO of Distribution at mortgage broker Aussie.
Using a new mapping tool, the 'Aussie Suburb Spotter Map' - which is powered by CoreLogic data and maps the median deposit buyers are paying in suburbs throughout the country - we've compiled a list of the regional locations where you can secure a deposit for less than $100,000, or even less than that if you're paying less than 20 per cent.
Raymond Terrace, Hunter region, NSW
Median deposit (20 per cent): $90,000
Raymond Terrace, 26 kilometres north of Newcastle and with a population of 12,820 at the 2016 census, is a pocket of affordability according to Aussie.
The median deposit there is $90,000, and there are currently properties on the market that fall within that range.
For example, this two-bedroom house at 5 Wood Street is on the market for $460,000 to $480,000, requiring a deposit of between $92,000 to $96,000.
Goulburn, Southern Tablelands, NSW
Median deposit (20 per cent): $95,000
Goulburn, located around 92 kilometres from Canberra, is also an affordable destination for those on a budget. $95,000 will get you a 20 per cent deposit there, based on median prices. But those willing to get their hands dirty can nab a property there for even less.
Take this five-bedroom property at 13 Darcy Crescent, on the market for $435,000. Based on that price, a 20 per cent deposit would be equivalent to $87,000 - leaving funds over to put towards repainting and adding new carpet.
West Bathurst, Central Tablelands, NSW
Median deposit (20 per cent): $75,250
West Bathurst, in the NSW Central West region, offers buyers an affordable entry into the property market, with a 20 per cent deposit there clocking in at $75,250.
Stretching your budget a little bit further than that could be enough to secure the keys to this cute four-bedroom house at 24 Cutler Street, currently on the market for $410,000. That equates to a deposit of $82,000.
Situated on a 797 square metre block it features vaulted ceilings and an updated kitchen and bathroom.
Sebastopol, Ballarat, Victoria
Median deposit (20 per cent): $77,100
$100,000 goes even further in the regional Victoria market, with buyers on a budget able to secure a house in some of the state's larger hubs.
In Sebastopol, a suburb on Ballarat's rural fringe, the median 20 per cent deposit is $77,100.
Properties on the market in that range include a three-bedroom house at 3 Kent Street.
On the market for $379,000, it would require a $75,800 if sold for that price.
Features include central heating and multiple sheds.
Long Gully, Bendigo, Victoria
Median deposit (20 per cent): $72,000
In Bendigo, a deposit of just $72,000 could be enough to constitute a 20 per cent deposit for a house in Long Gully, three kilometres north-west of the CBD.
Properties for sale that may fit that budget include 42 Quick Street, currently on the market with a guide of $360,000 to $380,000. That guide would see buyers paying between $72,000 and $76,000 as a deposit.
Invermay, Launceston, Tasmania
Median deposit (20 per cent): $73,000
Although many of the inner suburbs of Launceston require more than a $100,000 deposit, buyers on a budget can still get into the market if they look a little further out.
Take Invermay, for example, which has a median 20 per cent deposit of $73,000.
This cottage at 31 Windsor Street is currently being sold for "offers over $379,000". Based on that figure, a 20 per cent deposit would be $75,800.
The house features three bedrooms, two living areas and wood heating.