House Price Growth Calculator
Project an Australian property's future value from an annual growth rate, or calculate CAGR between two prices. Includes a year-by-year table.
Your results
Calculation breakdown
- Projected value
- $650,000.00 × (1 + 5%)^5 = $829,583.02
Year-by-year projection
| Year | Value | Growth from start |
|---|---|---|
| 0 | $650,000.00 | $0.00 |
| 1 | $682,500.00 | $32,500.00 |
| 2 | $716,625.00 | $66,625.00 |
| 3 | $752,456.25 | $102,456.25 |
| 4 | $790,079.06 | $140,079.06 |
| 5 | $829,583.02 | $179,583.02 |
Assumptions
- Growth is assumed to compound annually at a constant rate.
- Past property price growth is not a reliable indicator of future performance.
- The projection ignores buying and selling costs, renovations and market cycles.
- In target mode, the annualised rate is derived to exactly match the given start, end and years.
How this calculator works
Run it forwards with an assumed annual growth rate, or backwards from a start and end value to derive the compound annual growth rate. Both modes include a year-by-year projection table.
How compound property growth is calculated
A forward projection applies the selected annual growth rate to the property value each year, so later growth is calculated on earlier growth as well as the starting value. This is compounding, not a flat dollar increase.
The reverse mode calculates compound annual growth rate, or CAGR, from a known purchase value, later value and number of years. CAGR is the single smoothed annual rate that links the two values; it does not show the actual rise or fall in each individual year.
- Future value = starting value × (1 + annual rate) raised to the number of years
- CAGR compares two known values across a chosen period
- The year-by-year table makes the compounding visible
Property value growth is not investment return
A property price projection excludes stamp duty, conveyancing, interest, maintenance, insurance, rates, selling costs and tax. Those costs can materially change the return earned by an owner or investor.
Growth rates also vary by suburb, property type and time period, and past growth does not predict future prices. Run conservative and higher scenarios rather than relying on one precise forecast, then compare the result with current local evidence.
Frequently asked questions
What growth rate should I assume?
Long-run Australian capital city growth has often been quoted around 5–7% a year, but past performance is not a forecast.
What is CAGR?
The compound annual growth rate — the single smoothed yearly rate that turns the start value into the end value.
Does this include costs?
No. Stamp duty, agent commission and holding costs materially reduce real returns.
Results are estimates only and are not financial, tax, legal or credit advice.