Recent changes to tax laws in Australia and record-high home prices in the United States have made it much harder for first-time buyers to enter the residential property market.

澳洲近期稅法的變更以及美國創紀錄的房屋價格，使得首次購屋者更難進入住宅房地產市場。

In Australia, the federal budget has introduced new rules that make it more difficult to buy property using traditional methods. For example, after May 12, 2026, owners will no longer be able to use rental losses to reduce the tax on their salaries. Furthermore, from July 1, 2027, the capital gains tax discount will be reduced. These changes mean that low-to-middle-income graduates can no longer easily buy an investment property first and move into it later. Consequently, more people are now using the First Home Super Saver Scheme (FHSSS) to save for deposits through tax advantages.

在澳洲，聯邦預算引入了新規定，使得使用傳統方式購屋變得更加困難。例如，在2026年5月12日之後，屋主將無法再利用租金損失來抵減薪資稅。此外，從2027年7月1日起，資本利得稅的折扣將會減少。這些變化意味著中低收入的畢業生無法再輕易地先購買投資房產隨後再搬入。因此，現在更多人使用「首次購屋超級儲蓄計劃」(FHSSS)，透過稅務優惠來儲蓄頭期款。

At the same time, the US housing market has seen median sales prices reach a peak of $440,600. According to the National Association of Realtors, although wages have risen slightly, there is still a serious shortage of available homes, especially in the Northeast and Midwest. To solve this, the government plans to introduce the 21st ROAD to Housing Act. This law aims to increase the number of new homes and limit how many single-family houses large investment companies can own. This is the most significant federal effort to fix the housing supply gap since the 1990s.

與此同時，美國住房市場的中位數銷售價格達到440,600美元的峰值。根據全國房地產代理商協會，儘管工資略有上升，但可用房屋依然嚴重短缺，尤其是在東北部和中西部。為了改善這一局面，政府計劃引入《第21號住房道路法案》(21st ROAD to Housing Act)。該法旨在增加新屋數量，並限制大型投資公司可擁有的單一家庭房屋數量。這是自1990年代以來，聯邦政府為解決住房供應缺口所做出的最重大努力。

In summary, strict tax rules in Australia and a lack of available homes in the US continue to push entry-level buyers out of the market, despite new government attempts to help.

總結來說，儘管政府嘗試採取新措施提供幫助，但澳洲嚴格的稅務規定和美國可用房屋的短缺，仍持續將入門級買家排擠出市場。