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降息反成噩梦?澳洲房价暴涨,83%城区普通家庭买不起
Sou Hu Cai Jing·2025-08-10 16:40

Core Insights - The recent interest rate cuts in Australia have led to a significant increase in housing prices, making it difficult for average earners to afford homes in major cities [1][3] - A study indicates that approximately 83% of regions in Australia are unaffordable for average pre-tax income earners, which is around AUD 100,000 annually [1][3] - The minimum annual income required to purchase an average-priced home in capital cities is now approximately AUD 203,000 [3][6] Housing Affordability - National housing prices have risen by about 5% compared to the same period last year, with most increases occurring after the interest rate cuts in February [3][12] - In Sydney, the median home price is AUD 1,564,000, requiring an annual income of approximately AUD 294,615 to afford [6][7] - Brisbane's median home price is AUD 1,067,000, necessitating an annual income of around AUD 201,000 [7] - Melbourne's median home price is AUD 983,000, with a minimum income requirement of AUD 185,170 [7] Loan Repayment Burden - Housing affordability is defined as spending more than 30% of income on mortgage repayments, which is considered unsustainable in the long term [6] - Adelaide's median home price is AUD 916,000, requiring an annual income of nearly AUD 173,000 [7] - Perth's average housing affordability requires a similar annual income of about AUD 174,000 [7] Apartment Affordability - Purchasing an average-priced apartment in capital cities requires a minimum annual income of AUD 131,000, which is still above the national average income of AUD 105,000 [9][10] - In Melbourne, Perth, Canberra, and Adelaide, the minimum income needed to afford an average-priced apartment ranges from AUD 110,000 to AUD 120,000 [9] - In Brisbane, the minimum income for an average-priced apartment is close to AUD 135,000, while in Sydney, it is approximately AUD 162,000 [10] Market Dynamics - The high income levels required to enter the housing market are suppressing the rate of price increases, yet recent interest rate cuts continue to drive prices upward [12]