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Overvalued or Undervalued 2023
Following our "overvalued/undervalued" whitepaper a year ago, let's find out how the relative affordability of each city/region has changed over the past year.
01
Which cities’ house prices have exceeded the locals’ home loan serviceability and which cities' haven't?
02
Which cities are showing resilience against the seemingly national property downturn?
03
How is each city/region market pressure and growth prospect at the dawn of 2023?
Overvalued or Undervalued 2023
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
8 capital cities and 25 regional cities' affordability reassessed
8 rate hikes
RBA cash rate rises in a row — fundamentally changing the affordability picture
2nd edition
Updated from our original 2021 analysis with new income and housing data
Both the housing market and financial markets have changed a lot: House prices are more varied in performance across the country, and the RBA cash rate has risen 8 times in a row, leading to surges in home loan interest rates.
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
Updated from our original 2021 analysis with new income and housing data
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papers published
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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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