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Overvalued or Undervalued Market Analysis
InvestorKit reviews and provides a deep-dive into the housing affordability of the 8 Capital Cities and 25 most populated non capital regions by comparing each city’s median house price in line with local incomes.
What You Could Learn
A clearer view of the market.
- Which cities’ house prices have exceeded the locals’ home loan serviceability?
- Where can you enjoy relative affordability and prospects for capital growth?
- Which markets are selling fast and are investor-friendly with healthy yields?
Inside the report
30 pages of data-backed analysis. Zero fillers.
Here’s exactly what’s covered in this edition, so you know whether it’s worth your time before you download.
Choose a preview below or open the cover.
Affordability Methodology
How we assess relative affordability — mortgage serviceability vs. local incomes across multiple interest rate scenarios.
Capital City Affordability
Which capital city house markets have exceeded — or remain within — local borrowers' serviceability thresholds.
Regional Market Affordability
Affordability analysis of the 25 most populated regional cities — where relative value still exists.
Market Pressure & Outlook
Combining affordability with market pressure to identify which markets are well-positioned for growth.
A closer look
What our first affordability review found
2 of 8
Sydney and Melbourne were the only capital cities priced above the affordability line at both a 3.5% and a 4.5% home loan rate.
6 to 9
6 of 25 regional cities were overvalued at 3.5%, rising to 9 at 4.5%. 7 of those 9 were on the NSW coast.
11.4%
The report projected that lifting the home loan rate from 3.5% to 4.5% would cut the affordable house price by 11.4%. A further rise to 5.5% would cut it another 10.8%.
Housing affordability can be looked at in many ways. For the purpose of this analysis, debt serviceability through the use of mortgage payments at various interest rates vs incomes was the key focus.
Who this is for
Built for investors who want the numbers, not the noise
Every InvestorKit whitepaper is designed to give you a data-backed edge, whether you’re evaluating your first market or repositioning a growing portfolio.
Portfolio scalers (1–5 properties)
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Property professionals & advisors
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