Capital city and regional differences
Finity’s data shows Darwin recorded the highest average capital city home premium at $4,015 as of October 2025, followed by Sydney at $3,964 and Brisbane at $3,872. Canberra, Melbourne, Hobart, Perth, and Adelaide fall between about $2,042 and $2,622. At a finer scale, pricing concentrates in hazard‑prone zones. Average annual premiums in Brisbane’s west are about $8,396, compared with $5,410 in Darwin City and $5,350 across Sydney’s outer west and Blue Mountains region. These levels align with higher exposure to flood, bushfire, and severe storms, as well as claims experience and reinsurance costs.