I'm 13. By the time I'm 40, a house will cost $5.5 million.

Median Adelaide house price $940,000 Growing ~$175/day at 6.8%/yr
Median graduate salary $73,000 Growing ~$6/day

One is my house. The other is my pay. The gap between them is my entire future.

I did the maths

The Maths

I'm 13. I just started Year 7 in Adelaide. I'll finish uni around 2035. No one showed me these numbers. So I looked them up myself.

$1,600,000

The price of a house in Adelaide the year I graduate. Not a mansion. Not waterfront. Just a house. I'll have zero savings and a HECS debt.

Projection: 6.8% annual growth (25-year average, Aussie/CoreLogic) on current $940K median (Cotality HVI Jan 2026).
$92,000

What I'll earn. My whole salary. Every cent. Before tax, before rent, before food. That's all I get.

3% annual wage growth (ABS WPI) on $73K graduate median. $73K × 1.03^8 = $92K.
17x

My entire salary. Seventeen times over. No rent. No food. No living. Just house. And I still wouldn't own it outright.

$5,500,000

That's my house when I'm 40. I saved since I was 21. I did everything right. The deposit alone is $1.1 million. But the price grew faster than my savings every single year. I never caught up. I was never supposed to.

Same 6.8% annual growth, projected 27 years from 2026. $940K × 1.068^27 = $5.55M. Source

The Gap

+200% +150% +100% +50% 0%
+193%
House prices
20 years
+81%
Wages
20 years

The red one is what they'll charge me. The other is what they'll pay me. The space between them is my life.

The last five years alone

+68% Entry-level house prices
+21% Wages

The gap is not closing. It gets worse every single year. They know. They're not fixing it. They're profiting from it.

The Trap

They'll tell me it's my fault. "Just save harder." Here's what they built for my generation. All of it hits at once.

1
HECS debt

Average $28,000. Cuts my borrowing power by $50,000+. They told me to go to uni. The debt from going means I can borrow less. They set the trap. I'm supposed to walk into it.

2
The rent trap

$620-$780 per week. Gone. Before I save a single cent. Researchers checked 51,238 rental listings across Australia. The number I can afford on Youth Allowance: zero. Not low. Not a few. Zero.

3
The deposit wall

$155,000 to $321,000 depending on my city. My parents' generation saved this in four years. I'll need twenty. Same country. They changed the rules after they got in.

4
Stamp duty on top

$33,000 to $55,000. On top of the deposit. A tax on me for buying. One to three more years of my life just for the privilege of being allowed to pay.

5
The income wall

To pay the mortgage without going broke, I'd need a household income of $100,000 to $319,000. In Sydney, that's the top 5%. The average person cannot afford the average house. Read that again.

6
They get richer while I wait

While I'm stuck saving, people who already own property get 50% richer doing nothing. The median homeowner is worth $1,000,000. The median renter: $60,000. Same country. 17 times apart. Every year I wait, they pull further ahead. That's not a bug. That's the design.

Who Did This

These people swore an oath to serve me. Then they bought investment properties.

451 properties declared by 226 federal MPs and their families
135 of 226 MPs own two or more properties. They are my landlords.
48 MPs collect rent from 71 investment properties. My rent pays their mortgage.
16 MPs -- just 7% -- own no property. That's how many represent me.

They're not ignoring my crisis. They're invested in it.

$12.3 billion of our taxes go to negative gearing and CGT discounts every year (Australia Institute)
$7.2 billion of that goes straight to the richest 10%. I'm subsidising the people who will outbid me.

That is not a market failure. That is theft with a policy number. They wrote the rules. They profit from the rules. They will never change them.

The World Is Watching

In January 2026, over 120 countries reviewed Australia's human rights record at the UN. They made 350 recommendations. In February, the UN Committee on Economic, Social and Cultural Rights asked Australia one question:

Where is your human rights-based housing strategy?

They gave Australia 24 months to answer. The clock is ticking.

-- days
-- hours
-- minutes

until the February 2028 UN deadline

The ACT already did it. Housing became a legal right there in September 2025.

Australia is the only liberal democracy without a national Human Rights Act. Most states don't have one either. The country that tells the world it believes in a fair go has no law that guarantees you a roof.

What Works Elsewhere

This isn't impossible. Other countries fixed it. Australia chose not to. Ask yourself why.

Vienna 46%

of housing is social housing. Two-thirds of residents live in subsidised homes in the city centre.

Singapore 90%

of the population lives in publicly governed housing. Over one million units built.

Finland -68%

reduction in long-term homelessness since 2008 using Housing First. From 18,000 homeless to 3,806.

Australia 169,000

families on the public housing waitlist. 3 affordable rentals on JobSeeker out of 51,238. They know how to fix it. They just don't want to.

This Is Fixable

What we demand

  1. A national Human Rights Act that includes the right to housing.
  2. End negative gearing beyond one investment property. You don't need tax breaks on your third, fourth, fifth house.
  3. Scrap the capital gains tax discount for investors with multiple properties. Stop rewarding hoarding.
  4. Redirect that $12.3 billion into building homes people can actually afford.

Sign

Back these demands. Tell them a 13-year-old did the maths they wouldn't.

Sign the petition

Make Them See It

Send this to someone who still thinks the system works. Let the numbers do the talking.

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