澳大利亚房地产市场呈现出明显的两级分化趋势，高端房产价格下跌速度远超低端房产。1悉尼和墨尔本的高端房价跌幅超过10%，而同一地区的低端房价仅下跌3.9-5.4%。1这一差异反映了购房者在面对上升的借贷成本时采取的不同应对策略。当前借贷利率约为9.5%，中位数收入家庭需要超过税前收入的50%来偿还中位数房贷。1
高端房产市场的压力尤为突出。1悉尼巴尔蒙特东区一座豪宅本月以1200万澳元出售，较2022年的近2000万澳元下跌700万澳元。1房地产数据公司Corelogic执行研究主任蒂姆·劳莱斯指出，高端市场历来在房产周期中率先波动，高端市场在去年10月至11月见顶，整个行业在3月见顶。1全国交易量下跌超过15%，挂牌数量在各首府城市增加。1储备银行利率上升导致借贷成本飙升，购房者被迫转向更便宜的房产，由此导致高端房源面临更大的折扣压力。1
Australia's high-end residential property market is experiencing a sharper downturn than the broader market, with luxury homes in Sydney and Melbourne declining more than 10 percent compared to just 3.9 to 5.4 percent for lower-priced properties.1 The divergence reflects how elevated borrowing costs are reshaping buyer behavior across different price segments.
Rising interest rates have pushed lending costs to approximately 9.5 percent, forcing purchasers toward more affordable properties and intensifying discount pressure on premium listings.1 A luxury home in Balmoral East, Sydney, sold this month for AUD 12 million, representing a AUD 7 million drop from its near AUD 20 million valuation in 2022.1 According to Tim Lawless, executive research director at Cotality, the premium market traditionally leads housing cycles, having peaked in October-November of the previous year while the broader sector topped out in March.1
The broader slowdown extends beyond the luxury segment.1 National transaction volumes have fallen more than 15 percent, and listed properties are accumulating across major capital cities.1 Median-income households now require more than 50 percent of pre-tax earnings to service median-level mortgages, constraining purchasing power across the market.1 Over the two decades to 2021, Australia's median home price had climbed from AUD 123,000 to AUD 795,000.1
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