Workers in eight of the country's 12 regions are earning more each day in their job than the average house generates in capital gain.

But property prices in four other North Island regions are rising at a daily rate in excess of what the average person earns in a 9-to-5 shift.

The figures highlight the "halo effect" of Auckland's raging property market, as house-hunters and investors priced out of the city look to buy in neighbouring regions. But they also demonstrate the growing divide between super city house values and those elsewhere in New Zealand.

An exclusive Weekend Herald investigation revealed house price growth in Auckland was outstripping people's earnings by $295 a day, or more than $100,000 a year.

Newly-released median wage figures published by Statistics New Zealand show the average Auckland worker earned $132 a day in the last year while the typical home added $427 a day in capital gain during the 12 months to September.

The shocking data underlines the deteriorating affordability of residential property in Auckland, one of the world's 10 most over-valued housing markets. It would now take the average family nearly 10 years of their household income to afford a median priced $771,000 house.

Nationally, the average home is rising in value by $51.80 a day more than the typical worker earns in a shift. However these figures are skewed by soaring price growth in the Auckland market.

Outside of Auckland, houses in just three other regions are earning more in capital gain than workers make in wages -- though to much lesser degrees.

Northland homes rose in value by $192.40 a day compared to median daily pay of $118 -- meaning the standard house made $74.40 more each day than the average worker.

The figures are similar in Bay of Plenty, where house prices added $189 a day compared to median daily pay of $118 - a $71 premium.

Houses also earned more than workers in Waikato ($142.40/$123) - a difference of $19.40 a day.

Releasing its September house price figures last week, the Real Estate Institute described the "halo effect" of Auckland's rampant property market.

Institute chief executive Colleen Milne said the data showed Aucklanders priced out of their own city were looking to the regions, most notably Northland and Waikato/Bay of Plenty. "These regions have recorded strong sales growth so far during 2015, and this is now starting to be seen in the median price data."

But it is a different story in other parts of the country.

Temperate house price growth or falling property values in eight other regions meant the average worker earned more each day than the typical home added in capital gain.

The most dramatic example of this was in Taranaki, where median property prices slipped $12,375 in the last year, meaning workers earned $162.20 a day more than their house.

Southland workers earned $119.40 a day more than the average home added in value, followed by Canterbury ($109.40), Wellington ($98.10), Gisborne/Hawkes Bay ($68.70), Manuwatu/Whanganui ($52.70), Nelson/Tasman/Marlborough/West Coast ($42.20) and Otago ($41).

Loan Market mortgage adviser Bruce Patten said regions not yet experiencing rapid price growth could still do so if Auckland prices continued to soar.

"If on the other hand Auckland faulters, I think you will see other regions start to suffer too."

He added that current trends were similar to those seen during 2005-2007 when many buyers were priced out of the Auckland market.

Does your house earn more than you do?

Median daily earnings for those in paid employment (by regional council area for June quarter) versus median daily house price growth in year to September 2015

Region Daily Capital Gain Daily Wage

Northland $192.40 $118

Auckland $427 $132

Waikato $142.40 $123

Bay of Plenty $189 $118

Gisborne/Hawkes Bay $41 $109.70

Taranaki $34 $128.20

Manawatu/Wanganui $54.80 $107.50

Wellington $36.60 $134.70

Nelson/Tasman/Marlborough/West Coast $68.50 $110.70

Canterbury $13.60 $123

Otago $82 $123

Southland $5.4 $125.30

NZ total $177.10 $125.30

(Source: Stats NZ Income Survey and New Zealand Real Estate Institute)