Capital growth estimator
What a property could be worth in the years ahead at an assumed growth rate, and what that is in today's money after inflation. Pick a suburb to start from the growth we've measured there.
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- The estimated value in the years ahead
- That value in today's money after inflation
- A year-by-year table
Worked out from the figures you enter and the published rates and tables shown; results marked as estimates depend on assumptions. General information, not financial, credit, tax or legal advice - Property HQ is not an authorised financial services provider or a registered credit provider, and banks do their own affordability assessment under the National Credit Act. Confirm the figures for your own case with your bank, conveyancer or a registered tax practitioner.
Tax, transfer duty and CGT tables from SARS; prime, repo and CPI from the South African Reserve Bank; minimum living costs from the National Credit Act regulations; exchange rates from the European Central Bank (via Frankfurter).
Frequently asked questions
3 quick answers - tap a question to open itHow much do property prices grow in South Africa?
It varies a lot by area and over time - some suburbs grow faster than inflation for years, others fall behind. Over the long run house prices have broadly tracked inflation, so the calculator starts at the current CPI figure. Pick a suburb to start from the growth we've measured there instead.
What does 'in today's money' mean?
The future value with inflation taken out, so you can compare it with prices now. If growth only matches inflation, the property keeps its value in real terms but doesn't gain.
Is capital growth the same as my profit?
No. Selling costs, the interest you paid on the bond, maintenance and capital gains tax all come off. Use the CGT calculator and deal analyser for the fuller picture.