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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.
01
Which cities’ house prices have exceeded the locals’ home loan serviceability?
02
Where can you enjoy relative affordability and prospects for capital growth?
03
Which markets are selling fast and are investor-friendly with healthy yields?
Overvalued or Undervalued Market Analysis
What You Could Learn
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.
01
Affordability Methodology
How we assess relative affordability — mortgage serviceability vs. local incomes across multiple interest rate scenarios.
02
Capital City Affordability
Which capital city house markets have exceeded — or remain within — local borrowers' serviceability thresholds.
03
Regional Market Affordability
Affordability analysis of the 25 most populated regional cities — where relative value still exists.
04
Market Pressure & Outlook
Combining affordability with market pressure to identify which markets are well-positioned for growth.
PREVIEW
A taste of what this report reveals
33 markets
Capital and regional cities assessed for relative affordability
3.5% & 4.5%
Affordability modelled at two interest rate scenarios
30%
Net income threshold used as the affordability benchmark
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 OUR RESEARCH 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.
First-time investors
Get clarity on where structural demand sits before committing your capital to a market.
Portfolio scalers (1–5 properties)
Use our research to identify where to deploy equity next — backed by market pressure data, not guesswork.
Property professionals & advisors
Net income threshold used as the affordability benchmark
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InvestorKit invests nearly $1M per year in proprietary research, integrating 30+ data sources including ABS, CoreLogic, REIV, and SQM into models covering supply, demand, affordability, and market pressure. Our research has been featured in over 1,000 media articles and cited by AFR, Domain, realestate.com.au, and Yahoo Finance. We don’t sell property. We sell clarity.
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