The First Three Years Advantage

C03

The modelled advantage of three years in the family home disappears when the household contribution reaches roughly R15,900 a month in the middle-income Johannesburg case.

GSX:HH-002:C03 · Modelled · Conditional · high sensitivity · Version 1.0

Depends on

A01Representative workerThe central case is a 22-year-old worker in Johannesburg, expressed in constant 2026 rand.high sensitivity

A02Middle starting salaryThe central worker earns R420,000 a year before tax. The manuscript also reports a lower case of R240,000 and a higher case of R720,000. These are illustrative starting salaries, not national percentiles.high sensitivity

A03Johannesburg housing bundleIndependent housing in the Johannesburg scenario costs R9,600 a month in rent and R7,200 a month in other housing basics. The manuscript treats these as transparent city scenarios, not estimated city means.high sensitivity

A04Contribution while living at homeWhile living in the family home, the worker contributes 12% of take-home pay, bounded between R2,500 and R6,000 a month, plus R1,200 of personal food and services. The manuscript counts this transfer as a private cost.high sensitivity

Modelled results cited

R06Middle salary, Johannesburg, contribution break-evenThe modelled three-year home-only advantage disappears at a household contribution of roughly R15,900 a month.modelled

Registered supporting sources

The First Three Years Advantage · GSX:HH-002:PDF