At the end of 2021, we released our first “Overvalued or Undervalued” whitepaper during the national housing boom and examined the relative affordability (income to repayments) of 8 Greater Capital Cities and 25 most populated non-capital regions’ house markets.
A year later, both the housing market and financial markets have changed a lot: House prices are more varied in performance across the country; The RBA cash rate has risen 8 times in a row, leading to surges in home loan interest rates. It’s time to reassess the housing markets’ relative affordability.
In this whitepaper, we calculate the relative affordability of each city/region with updated income/housing data in higher rate scenarios.


















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