Investment insights
Christchurch suburbs (affordability vs yield)
| Suburb | Median price | Median rent/wk | Gross yield | 5yr growth | CBD km | Notes |
|---|
Indicative figures based on market data. Yields calculated as (annual rent / median price). Not financial advice.
Boarder income by bedroom count
Your profile: $50,000 deposit, 5.19%, 30 years, $220/wk per room. Includes rates, insurance and maintenance. Change it.
| Beds | Price | Rooms let | Room income/mo | Mortgage/mo | Out of pocket/mo | Payoff | Interest saved |
|---|---|---|---|---|---|---|---|
| 2 | $440,000 | 1 | $953 | $2,139 | $2,002 | 26.2 yr | $57,349 |
| 3 | $470,000 | 2 | $1,907 | $2,304 | $1,239 | 15 yr | $224,487 |
| 4 | $500,000 | 3 | $2,860 | $2,468 | $475 | 11.1 yr | $296,082 |
| 5 | $530,000 | 4 | $3,813 | $2,633 | -$289 | 9.1 yr | $345,442 |
Boarder income is tax-free up to the IRD threshold, and most banks won't count it toward what they'll lend you. See the Strategy Lab for what happens after year one.
Current mortgage rates (lowest by term)
Bundled snapshot. The optional Python backend refreshes these from interest.co.nz.
Data sources
Listings refresh every 6 hours, merged and deduplicated by address:
- realestate.co.nz and trademe.co.nz — listings
- oneroof.co.nz — estimates and rateable values
- LINZ — land area, CC-BY 4.0
Anything we couldn't observe is labelled as an estimate on the listing itself.