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Core Insights - Australian homebuyers need an annual income of AUD 161,000 to afford mortgage payments without financial stress, which is 41% higher than the national average salary of AUD 114,426 [1][3] - Only one in five suburbs nationwide is considered affordable for average income earners, indicating a significant housing affordability crisis [3] Economic Analysis - Jarden economist Anthony Malouf emphasizes the need for interest rate cuts and increased housing supply to improve affordability, warning that declining homeownership rates could exacerbate elderly poverty in the future [1] - Current data shows that 42.4% of income is required for mortgage repayments, significantly higher than the 24.1% required before the pandemic in March 2020 [3] Regional Insights - Sydney is identified as the least affordable city, with mortgage repayments consuming 57.9% of income, necessitating an annual salary of AUD 235,000 for buyers to avoid financial strain [3] - Melbourne offers relatively better affordability, with an average mortgage repayment ratio of 36.6% [3] - In Sydney, only 14 suburbs are affordable for middle-income families earning AUD 121,000, including areas like Bankstown, Cabramatta, and Liverpool [3]