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type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","author":{"@type":"Person","name":"Jim Malo"},"dateModified":"2024-11-19T18:00:00+00:00","datePublished":"2024-11-19T18:00:00+00:00","description":"High interest rates and rising prices have pushed key measures of housing affordability to their worst levels on record, and experts say rate cuts won’t help.","headline":"‘Basically impossible’: Housing affordability is the worst on 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data-testid="category"><a title="News" href="/property/news">News</a></li><li class="_1pMb9" data-testid="tag-name"><a title="Housing affordability" href="/topic/housing-affordability-6ft3">Housing affordability</a></li></ul><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.watoday.com.au/property","name":"Property"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.watoday.com.au/property/news","name":"News"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.watoday.com.au/topic/housing-affordability-6ft3","name":"Housing affordability"}}]}</script></div><h1 data-testid="headline" itemProp="headline">‘Basically impossible’: Housing affordability is the worst on record</h1></div></div></header><section class="_3OhA4"><div class="_2h56q _2bGxr"><div class="_3J1te"><h5 class="_3-xPQ"><span class="_3pGt1">By </span><span><span data-testid="byline"><a href="/by/jim-malo-gt02ms" title="Articles by Jim Malo">Jim Malo</a></span></span></h5><div class=""> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-20T02:00:00+08:00">November 20, 2024 — 2.00am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://watoday.myfairfax.com.au/channel/cWvEleexy48f-PI5-jlBnw/members/signups/new?callback_uri=">register</a> or <a 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class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="vnWOX"><header><h2>Property listings</h2></header><div id="dg-recommended-listings"></div></div><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>First home buyers would have to contend with mortgage repayments of more than half their income, new modelling shows, as housing affordability becomes more difficult than ever.</p><p>The typical Australian home now costs eight times the median household income – a record high – while the deposit hurdle is a sliver off its record high, and rents are at a record high share of incomes, the ANZ/CoreLogic housing affordability report released on Wednesday shows.</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/I6Le6/1/" title="Embedded iFrame"></iframe></div></div><p>The ABS considers a household to be in housing stress if it pays more than 30 per cent of its income on housing costs.</p><p>The report found that it now takes 10.6 years to save for a 20 per cent deposit, as of September, and it takes 50.6 per cent of the median household income to afford repayments on a median home.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>While a household is saving, it faces median rents that are now 33 per cent of the median income. All figures were more than their 20-year averages.</p><p>CoreLogic head of Australian research and report author Eliza Owen said housing affordability continued to worsen.</p><p>“The key issue is housing values continue to outpace income growth,” Owen said. “Incomes were up about 3 per cent over the past year while housing values in the year to September were up about 6.5 per cent nationally.”</p><p>“Rent values have continued to rise strongly, and interest rates are also relatively high. So it’s an affordability challenge on multiple fronts.”</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/Lex0r/1/" title="Embedded iFrame"></iframe></div></div></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos99-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>AMP chief economist Dr Shane Oliver said any improvements to affordability during recent downturns are firmly in the rearview mirror.</p><p>“It’s pretty bleak if you’re trying to get into the property market,” he said. “It’s not surprising because property prices did have a brief fall in 2022 and affordability metrics improved briefly but since then, they have deteriorated.</p><p>“The reality is that with house prices rising faster than income, affordability continues to deteriorate and that improvement we saw in 2022 has been wiped out.</p><p>“It really just highlights the damage the ongoing rise in prices is doing to people’s ability to get into the property market.”</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/A3n9I/1/" title="Embedded iFrame"></iframe></div></div></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>A high Reserve Bank cash rate and rising prices, a historically unusual combination, meant both the dwelling value-to-income ratios and the portion of income needed to service a new loan were worsening at the same time, Oliver said.</p><p>“When you put high interest rates and high house prices together, you end up with a doubly bad relationship,” he said. “It’s a problem. It’s unusual because you’d expect rates to go up, prices to go down and affordability improves, and it gives people an opportunity to get in.”</p><p>Owen said the so-called deposit hurdle was once a first home buyer’s primary concern.</p><p>“Once you got the mortgage, the low rates meant the repayments were more manageable,” she said. “Now the deposit hurdle and the mortgage are a pain-point for first home buyers.”</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/udW7M/1/" title="Embedded iFrame"></iframe></div></div></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>The median home was well out of reach of the median household, Owen said.</p><p>“It’s not realistic. Because the data is saying, hypothetically, if the median income household, which is about $101,000 across Australia, puts down a 20 per cent deposit on the median dwelling value with the average owner-occupier mortgage rate. What it’s telling you is it’s basically impossible ... at current mortgage rate levels.”</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>Rising house prices despite high interest rates and slashed borrowing capacities were thought to be caused by wealthier buyers and first home buyers with access to intergenerational wealth, also known as the bank of mum and dad.</p><p>Owen said the status quo was exacerbating housing inequality. “[Homes] are not accessible on incomes and saving alone,” she said. “We can’t assume that everyone has a workaround to get into the housing market like the bank of mum and dad or moving somewhere cheaper, buying something smaller.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“It doesn’t work for everyone, especially those who don’t have access to intergenerational wealth and are just relying on their income to break into the market.”</p><p>It was unlikely cuts to the RBA cash rate would improve affordability, Owens said.</p><p>“We looked into this, and based on ANZ’s forecast of a 75 basis point reduction to the end of 2025, assuming incomes and prices are stable, then the portion of income to service a mortgage falls to about 48 per cent.</p><p>“In reality, the issue is a reduction in interest rates might put upwards pressure on housing values.”</p></div></div><div class="noPrint"><div></div><div></div></div><div class="CBSIP"><div class="_1GjZU" id="dg-membership"></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use 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href="/topic/housing-affordability-6ft3">Housing affordability</a></li><li><a class="_2Tz1_" href="/topic/property-market-60w">Property market</a></li><li><a class="_2Tz1_" href="/topic/first-home-buyers-1mri">First-home buyers</a></li><li><a class="_2Tz1_" href="/topic/victoria-residential-property-hw2">Victoria residential property</a></li><li><a class="_2Tz1_" href="/topic/nsw-residential-property-hvx">NSW residential property</a></li><li><a class="_2Tz1_" href="/topic/melbourne-house-prices-1mo3">Melbourne house prices</a></li><li><a class="_2Tz1_" href="/topic/sydney-house-prices-1mo2">Sydney house prices</a></li></ul></div></div></section><div class="_2Cg_3"><div class="iQMz1" hidden=""><div class="_1Oml5"><a class="_3NFLJ" title="Articles by Jim Malo" href="/by/jim-malo-gt02ms">Jim Malo</a> – Based in Melbourne, Jim is a reporter on the property desk.<span class="_11p0O">Connect via <a href="//twitter.com/@thejimmalo?lang=en" rel="noopener noreferrer" target="_blank">Twitter</a> 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interest rates and rising prices have pushed key measures of housing affordability to their worst levels on record, and experts say rate cuts won\\u2019t help.\",\"allowComments\":true,\"body\":\"<p>First home buyers would have to contend with mortgage repayments of more than half their income, new modelling shows, as housing affordability becomes more difficult than ever.</p><p>The typical Australian home now costs eight times the median household income \\u2013 a record high \\u2013 while the deposit hurdle is a sliver off its record high, and rents are at a record high share of incomes, the ANZ/CoreLogic housing affordability report released on Wednesday shows.</p><x-placeholder id=\\\"337d929b225a25e1b1ff2530525674bea0638bf2\\\"></x-placeholder><p>The ABS considers a household to be in housing stress if it pays more than 30 per cent of its income on housing costs.</p><p>The report found that it now takes 10.6 years to save for a 20 per cent deposit, as of September, and it takes 50.6 per cent of the median household income to afford repayments on a median home.</p><p>While a household is saving, it faces median rents that are now 33 per cent of the median income. All figures were more than their 20-year averages.</p><p>CoreLogic head of Australian research and report author Eliza Owen said housing affordability continued to worsen.</p><p>\\u201CThe key issue is housing values continue to outpace income growth,\\u201D Owen said. \\u201CIncomes were up about 3 per cent over the past year while housing values in the year to September were up about 6.5 per cent nationally.\\u201D</p><p>\\u201CRent values have continued to rise strongly, and interest rates are also relatively high. So it\\u2019s an affordability challenge on multiple fronts.\\u201D</p><x-placeholder id=\\\"f8b9c39189e8ca9d4a77e8eb3d94fddf116f91ba\\\"></x-placeholder><p>AMP chief economist Dr Shane Oliver said any improvements to affordability during recent downturns are firmly in the rearview mirror.</p><p>\\u201CIt\\u2019s pretty bleak if you\\u2019re trying to get into the property market,\\u201D he said. \\u201CIt\\u2019s not surprising because property prices did have a brief fall in 2022 and affordability metrics improved briefly but since then, they have deteriorated.</p><p>\\u201CThe reality is that with house prices rising faster than income, affordability continues to deteriorate and that improvement we saw in 2022 has been wiped out.</p><p>\\u201CIt really just highlights the damage the ongoing rise in prices is doing to people\\u2019s ability to get into the property market.\\u201D</p><x-placeholder id=\\\"dca7c5525431de75d768b3860bed931bcedc6d24\\\"></x-placeholder><p>A high Reserve Bank cash rate and rising prices, a historically unusual combination, meant both the dwelling value-to-income ratios and the portion of income needed to service a new loan were worsening at the same time, Oliver said.</p><p>\\u201CWhen you put high interest rates and high house prices together, you end up with a doubly bad relationship,\\u201D he said. \\u201CIt\\u2019s a problem. It\\u2019s unusual because you\\u2019d expect rates to go up, prices to go down and affordability improves, and it gives people an opportunity to get in.\\u201D</p><p>Owen said the so-called deposit hurdle was once a first home buyer\\u2019s primary concern.</p><p>\\u201COnce you got the mortgage, the low rates meant the repayments were more manageable,\\u201D she said. \\u201CNow the deposit hurdle and the mortgage are a pain-point for first home buyers.\\u201D</p><x-placeholder id=\\\"e248d3a8ad1d05a351b543cb614d1005c5157dbe\\\"></x-placeholder><p>The median home was well out of reach of the median household, Owen said.</p><p>\\u201CIt\\u2019s not realistic. Because the data is saying, hypothetically, if the median income household, which is about $101,000 across Australia, puts down a 20 per cent deposit on the median dwelling value with the average owner-occupier mortgage rate. What it\\u2019s telling you is it\\u2019s basically impossible ... at current mortgage rate levels.\\u201D</p><x-placeholder id=\\\"c7702f192085888a8dea3282b6a3de80d5f59997\\\"></x-placeholder><p>Rising house prices despite high interest rates and slashed borrowing capacities were thought to be caused by wealthier buyers and first home buyers with access to intergenerational wealth, also known as the bank of mum and dad.</p><p>Owen said the status quo was exacerbating housing inequality. \\u201C[Homes] are not accessible on incomes and saving alone,\\u201D she said. \\u201CWe can\\u2019t assume that everyone has a workaround to get into the housing market like the bank of mum and dad or moving somewhere cheaper, buying something smaller.</p><p>\\u201CIt doesn\\u2019t work for everyone, especially those who don\\u2019t have access to intergenerational wealth and are just relying on their income to break into the market.\\u201D</p><p>It was unlikely cuts to the RBA cash rate would improve affordability, Owens said.</p><p>\\u201CWe looked into this, and based on ANZ\\u2019s forecast of a 75 basis point reduction to the end of 2025, assuming incomes and prices are stable, then the portion of income to service a mortgage falls to about 48 per cent.</p><p>\\u201CIn reality, the issue is a reduction in interest rates might put upwards pressure on housing values.\\u201D</p>\",\"bodyPlaceholders\":{\"337d929b225a25e1b1ff2530525674bea0638bf2\":{\"data\":{\"displayWidth\":\"CONTENT\",\"url\":\"https://datawrapper.dwcdn.net/I6Le6/1/\"},\"type\":\"iframe\"},\"c7702f192085888a8dea3282b6a3de80d5f59997\":{\"data\":{\"id\":\"p5kaoo\"},\"type\":\"relatedStory\"},\"dca7c5525431de75d768b3860bed931bcedc6d24\":{\"data\":{\"displayWidth\":\"CONTENT\",\"url\":\"https://datawrapper.dwcdn.net/A3n9I/1/\"},\"type\":\"iframe\"},\"e248d3a8ad1d05a351b543cb614d1005c5157dbe\":{\"data\":{\"displayWidth\":\"CONTENT\",\"url\":\"https://datawrapper.dwcdn.net/udW7M/1/\"},\"type\":\"iframe\"},\"f8b9c39189e8ca9d4a77e8eb3d94fddf116f91ba\":{\"data\":{\"displayWidth\":\"CONTENT\",\"url\":\"https://datawrapper.dwcdn.net/Lex0r/1/\"},\"type\":\"iframe\"}},\"byline\":\"Jim Malo\",\"closeComments\":false,\"headlines\":{\"headline\":\"\\u2018Basically impossible\\u2019: Housing affordability is the worst on 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