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Overvalued or Undervalued? 2024 Edition
Following our Overvalued or Undervalued whitepapers in the past 2 years, let's find out how the relative affordability of each city/region has changed over 2023.
What You Could Learn
A clearer view of the market.
- Which cities’ house prices have exceeded the locals’ home loan serviceability and which haven't?
- How is the market pressure in Australia’s biggest property sub-markets?
- Where is each of these sub-markets going in 2024?
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 the 2024 affordability review found
7.4%
10 of the 11 cities we rated undervalued in the last edition grew in 2023, by 7.4% on average.
4.2%
Annual wage growth reached 4.2% by late 2023, the highest since March 2009. Only 4 of the 19 cities with rising prices became less affordable.
8 of 25
8 of 25 regional cities were undervalued at a 6.5% home loan rate, 5 of them in Queensland. That was up from 5 a year earlier.
With high interest rates and growing house prices on the one hand and fast-growing wages on the other, how has Australia’s house affordability changed?
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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