Trying to buy a home in Sydney in 2025 is no small feat. It’s one of the most expensive housing markets in the world, so it can be an emotional rollercoaster.

According to the latest Home Value Index (Cotality, August 2025):

-The median property price in Sydney is now $1.23 million.

That’s up 0.6% in just the past month, and 1.8% over the last quarter.

Even units are sitting at a median value of $868,000+, while houses have soared to almost $1.53 million.

So no - you’re not imagining it. This goal feels hard, because it is hard. But that doesn’t mean it’s not worth exploring.

💬 First: Get clear on the real roadblock

Before trying to “convince” your husband, try to understand what’s really going on.

Start with:
→ Is it that he doesn’t want to buy in Sydney at all? Or just not right now?
→ If it’s the timing, are there valid reasons behind that? (Career uncertainty? Kids? Burnout?)
→ If not Sydney, would he be open to buying elsewhere - and renting here? (a.k.a. rentvesting)
→ If you're planning to stay in Sydney long term… how do you plan to afford rent in retirement?

These are confronting but important questions - and they shift the convo from “Are you in or out?” to “What’s the long-term plan we can both get behind?”

🧭 How to make the most of where you’re at

If you want to make progress - even if you're not on the same page (yet), here are a few steps you can take now to move things forward:

• Map your current financial reality.
What’s coming in, what’s going out and how much you’re actually saving each month. You need to know your starting point before you can build a plan.

• Model different scenarios.
Could you afford something now (even small or out of area)? What would rentvesting look like? A mortgage broker can help run the numbers - you don’t have to guess.

• Set a ‘progress target’.
If buying in 6 or 12 months is the goal, how much do you need to save between now and then? What compromises could close the gap faster?

• Book a one-hour Clarity Call.
I can help you pressure-test the options, run numbers, and help you figure out the smartest next step - even if you’re not sure what that is yet. You can book one in here.

• Keep the conversation going.
Bring your partner into the process without making it a debate. Share what you’ve learned. Ask open questions. Invite curiosity, not confrontation. Getting on the same page takes effort, patience and kindness.

📈 The market isn’t waiting

Despite interest rates and affordability concerns, Sydney prices have risen six months in a row.
• Supply is still tight, with listings -19% below average.
• Interest rates are expected to fall again, which could push prices even higher.

→ Ask yourselves: If the market keeps rising, is there a risk we’ll be locked out?

Final thought: You don’t need total alignment to take the first step

Sometimes alignment comes after action. Book the appointment. Crunch the numbers. Do a “money date.” It’s not about pressuring your partner - it’s about getting curious together and figuring out which options suit you both best.

Because whether you buy now, later, or somewhere else entirely - it’s so much easier to make good decisions when you remember you’re both on the same team.

Jess x

Have a money dilemma?

Money dilemmas can be a nightmare! They can leave you up all night ruminating about what to do, have you feeling alone and isolated or just plain ol' stuck. So, we are here to help. I am going to tackle one a week and give you my unbiased, no BS general thoughts on how to tackle your conundrum. We would love for you to send yours (or someone you know) in. 

Obvs all of this is general advice only... especially important to note any and all of the comments above do not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs.