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It is a debated figure, and I must admit it seems low. The 4.5 figure was touted by Rismark, and involved a bit of bending. See here. http://macrobusiness.com.au/2011/03/response-to-chris-joye-on-australias-dwelling-price-to-income-ratio/ The debate has been ding donging back and forth, an...

Disposable income always used to mean the money you had left in your sky rocket, after paying all your normal outgoings. In other words the money you had left to spend on yourself. Pooling incomes to get a higher figure is dubious at best, presumably at some point couples start a family...

From Chris Joye / Rismark, whose methodology has been roundly criticised/examined here, http://macrobusiness.com.au/2011/03/response-to-chris-joye-on-australias-dwelling-price-to-income-ratio/

The received wisdom of a comforting platitude, I always wonder who came up with that on and why it is never examined. Thing is, cycles, in property, can be kind of long term too, on a generational scale, witness Australias thirty odd years of above normal growth. How would you feel if it now...