Rates, insurance, maintenance, management fees etc.
Gross Yield
4.40%
Net Yield
2.86%
Net Annual Income
$18,600.00
What is a good rental yield in New Zealand?
A gross yield of 4-6% is common in NZ. Regional towns like Invercargill or Whanganui often have higher yields (6-8%) but lower capital growth. Auckland and Wellington tend to have lower yields (3-4%) but stronger long-term growth.
What is the difference between gross and net yield?
Gross yield is your annual rent divided by property value. Net yield subtracts expenses like rates, insurance, maintenance, and management fees first. Net yield gives a more realistic picture of your actual return.
Should I focus on yield or capital growth?
It depends on your goals. High yield means more cash in your pocket each week. Capital growth builds wealth over time. Most successful investors look for a balance of both, or choose based on whether they need income now or are building for the future.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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