The Economics of Owning a Unit vs a House In Australia

Unit vs house in Australia: the real cost of owning each in 2026, from the deposit and repayments to strata levies, capital growth and rental yield. A typical Australian house now costs $259,348 more than a typical unit, based on Cotality's national median values to the end of August 2026. This video breaks down what that gap means for your deposit, your mortgage repayments, your running costs and your long-term wealth. Chapters: 0:00 House vs unit price gap in Australia 2026 0:33 Deposit and time to save: house vs unit 1:26 Mortgage repayments and interest compared 2:23 Running costs: repairs, council rates and strata levies 4:02 Land value and long-term capital growth 4:45 Units vs houses 2026 by capital city 5:38 Rental yield and total return 6:20 Which units and houses hold their value 7:08 Total cost of ownership and the savings difference 8:06 How to choose between a house and a unit Check out the channel's playlists for more videos on money psychology, mindset, wealth habits, and financial minimalism and subscribe if you want to keep rewiring how you think about money. Money Psychology → https://www.youtube.com/playlist?list=PLN66gMJbnUcA Money Mindset → https://www.youtube.com/playlist?list=PLbo1A8amxkcQ Money Habits → https://www.youtube.com/playlist?list=PLWz-j5c1YKK0 Stealth Wealth → https://www.youtube.com/playlist?list=PLdyBYeaUYlsg Classic Wealth Books → https://www.youtube.com/playlist?list=PLIr4oHgSND94 How to Get Rich → https://www.youtube.com/playlist?list=PLbFi5lqftlNI Spend Less, Want Less, Feel Richer → https://www.youtube.com/playlist?list=PLfvzXIM6rxU8 Legal Disclaimer: Figures quoted are national medians and averages as at the end of August 2026. The repayment example uses an illustrative interest rate. This video is general information only and does not consider your personal circumstances. Speak with a licensed financial adviser or mortgage broker before making property decisions. 💬 Creator’s Note: Each video on this channel takes a lot of time to write, narrate, and animate with care. Yes, I use AI tools to help with voiceovers and visuals, but every message, script, and idea is crafted with intention and love, so you can understand money clearly and feel empowered to change your life. Thank you for being part of this project. 💛 #propertyaustralia #firsthomebuyeraustralia #personalfinanceaustralia