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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.
What You Could Learn
A clearer view of the market.
- Which cities' affordability are improving and which are worsening?
- How is the market pressure in Australia’s biggest property sub-markets?
- Where is each of these sub-markets going in 2025?
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 2025 affordability review found
17.5%
8 of the 10 cities we rated undervalued in the last edition grew by double digits in 2024, averaging 17.5%.
1 of 8
Only Greater Darwin was rated undervalued among the capitals. Fast growth cut affordability most in Brisbane, Adelaide and Perth.
6 of 25
6 regional cities were undervalued at a 6.5% rate. 4 were hotspots in North Queensland and WA, and 2 were in Victoria.
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 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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