Perth Property Market Shows Resilience as Affordable Homes Hold Their Ground

Perth continues to stand out as one of Australia’s more resilient housing markets, offering an encouraging signal for Western Australian homeowners and prospective buyers.

Fresh analysis of Cotality housing data, published on 10 September 2026, shows that Australia’s current property correction is being felt most heavily at the expensive end of the market. More affordable homes have generally been considerably more resilient, with Perth, Brisbane and Adelaide recording much smaller declines than Sydney, Melbourne and Canberra.

This is particularly relevant for Perth because the market has already been supported by comparatively affordable housing, population demand and constrained supply.

The resilience of the affordable segment also coincides with increased participation from first-home buyers. The expanded Australian Government 5% Deposit Scheme has helped eligible buyers enter the market with a smaller deposit, while WA buyers also have access to expanded state-based assistance.

For borrowers, however, a resilient property market doesn’t mean every property will increase in value—or that buyers should rush into the market.

Instead, the current environment makes financial preparation especially important.

Prospective Perth buyers can benefit from understanding their borrowing capacity, expected repayments and deposit requirements before starting negotiations. Existing homeowners may also want to review whether their current home loan remains competitive, particularly as lenders compete for mortgage customers.

The encouraging takeaway is that despite higher interest rates and broader economic uncertainty, Perth’s housing market is showing greater resilience than many higher-priced markets around Australia.

For people planning to buy, upgrade, invest or refinance, having a clear understanding of their financing options can help them make decisions based on their circumstances rather than short-term market headlines.

Naga Mortgage Brokers can help Perth borrowers compare suitable home-loan options and understand their borrowing position before making their next property move.

General information only. This does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply.