Hello, Andrew Bell here.
A concept that many people overlook is comparing the financial gains from their home’s capital appreciation to their annual salary. Most individuals focus solely on their income, which is essential for covering living expenses. However, it’s worth considering how your property’s value might be contributing to your financial growth.
Between April 2024 and April 2025, Australian house prices increased from $871,671 to $918,296—a rise of $46,625. In contrast, the median annual income stood at $76,592, with after-tax earnings approximately $55,000. This means the increase in your home’s value could nearly match your annual income.
While many in major cities own properties of higher value and earn more, it’s important to recognize that the combined value of your home and income can significantly impact your financial position. For those feeling financial strain, it’s worth evaluating how both assets contribute to your wealth.
For renters, this serves as a reminder of the benefits of homeownership. Not only do homeowners gain from property value appreciation, but they also avoid the rising costs of renting. In contrast, renters face increasing prices and may miss out on the financial advantages of owning a home.
Some believe property values peaked last year and are in decline. While certain areas have seen decreases, major property centers, including the Gold Coast, continue to experience growth. For instance, Gold Coast property prices are projected to rise by 10–13% in 2025, driven by strong demand and interstate migration .
It’s crucial not to be swayed by misconceptions about the market. The Gold Coast remains a vibrant and growing area, with increasing numbers of people recognizing its appeal. Don’t miss the opportunity to be part of this thriving community and benefit from the ongoing property value increases.
Looking forward to sharing more insights with you in two weeks.
Warm regards,
Andrew Bell
Andrew Bell, OAM
Chairman
The Ray White Bell Group
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