定了！澳洲降息，房价要失控！

Core Viewpoint - Australian housing prices are experiencing significant increases despite the Reserve Bank of Australia maintaining the cash rate at 3.85% since early July, marking the sixth consecutive month of price rises [2][5]. Housing Price Trends - The median house price in Australia has reached AUD 844,000, reflecting a year-to-date increase of 3.3% [2]. - Sydney's median house price has surpassed AUD 1.5 million, with a 1.9% increase noted in the first half of 2025 [4][7]. - Melbourne's house prices have risen by 0.4% to AUD 952,000, with a cumulative increase of 2.8% this year [5]. - Darwin has recorded the highest price increase among capital cities, with a 7.7% rise in the first half of 2025 [5]. Rental Market Dynamics - National rental prices have increased by 1.1% over the last three months, with all capital cities experiencing rental hikes [5]. - The rental market remains tight due to a shortage of available rental properties, contributing to rising rents [5]. Interest Rate Outlook - The cash rate has decreased from 4.35% to 3.85% this year, with expectations of further cuts, potentially down to 3.6% [6][7]. - Market predictions indicate a 98% probability of a rate cut during the upcoming Reserve Bank meeting, with additional cuts anticipated in the following months [7]. Affordability Challenges - The average house price in Australia is now nearly 14 times the average annual salary, creating significant affordability issues [4][11]. - In Sydney, the income required to afford the median house price is approximately AUD 300,000, while in Melbourne it is around AUD 185,000 [7][11]. - Approximately 83% of Australian suburbs are deemed unaffordable for households earning the average pre-tax income of AUD 100,000 [12].