4.5 times based on: $ 405 000 price of dwelling and $ 94 000.00 DISPOSABLE income per family...does this sound like average Oz family?...didn't think so ! of course the bloke (cjoye) will spurt this 'stuff'...he's in the bussiness of lending money and charging 'for advice' about property and housing policies !another government 'consultant' that needs to JUSTIFY its own existence !http://christopherjoye.blogspot.com/2010/06/release-australian-home-prices-46x.html