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Overvalued or Undervalued? 2025 Edition
Building on our Overvalued or Undervalued whitepapers in the past 3 years, let's explore how the relative affordability of each city/region has changed over 2024 to gain insights for 2025.
01
Which cities' affordability are improving and which are worsening?
02
How is the market pressure in Australia’s biggest property sub-markets?
03
Where is each of these sub-markets going in 2025?
Overvalued or Undervalued? 2025 Edition
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 assessed for affordability
4.9%
Average national home value growth in 2024 — with 20%+ in hottest markets
Rate cuts
RBA has started cutting — how will this reshape affordability and prices?
In 2024, as the RBA cash rate remained high, Australia’s home values only rose by 4.9% in a year on average, compared to last year’s 8.1%, with 20%+ growth in the hottest markets, and declines in the coolest ones.
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
RBA has started cutting — how will this reshape affordability and prices?
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25+
papers published
50K+
subscribers
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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