The report measured a city’s housing market along the following guidelines. An “affordable” home required three times or less of the average family’s income to purchase. At four times earnings, a home fell into the “unaffordable” category. And a “seriously unaffordable” home needed five times a family’s income. In Australia, homes in the least affordable city cost just about 9,5 times the average income. Sydney, Perth, and Melbourne were only a little under this figure．

　　Australian officials offered little comment, apart from a general statement on the dismal findings. These prices make the possibility that many Australians will one day own a home largely unbelievable. Land rationing （配给制） and excessive development charges have raised prices, and the problem will only be solved through urgent action by the Rudd government．

　　Some American cities were also included on the least affordable list, four of which were in California. America is still involved in a mortgage（抵押）crisis, though, affecting the affordability of homes. Yet a number of US cities garnered “affordable” status, namely Dallas and Kansas. Australia had no cities listed in the top fifty places with affordable homes．

　　The survey suggests that you can find affordable homes in most places, just not if you’re Australian and choose to live down under．

　　12. To buy an affordable house, you should pay _____．

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