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Housing and homelessness

Homes for living not wealth creation: Tax and expenditure reforms to improve housing affordability and equity, ACOSS, Sydney.

19 November 2025
A youth worker sitting with a person and holding their hand

Australia’s housing system has become a source of wealth for some and insecurity for many. Homes for Living, Not Wealth Creation (ACOSS, 2025) calls for bold reform to restore balance — advocating that homes should be for living, not speculation.

Authored by Dr Peter Davidson and James Hall, the report argues that two long-standing tax breaks — the 50% Capital Gains Tax (CGT) discount and negative gearing — have fuelled soaring home prices, widened inequality, and drained public revenue. According to ACOSS, these policies favour speculative investment in existing housing stock rather than new...

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