Desirable property affordable? Experiences?

You all somehow believe that there is no wealth here in Germany. I would claim that the vast majority of those who are now buying (can buy) are people with a (strong) financial background in their family and not high earners.

I wouldn't be surprised if families have also become more "generous" due to the current situation. What must not be forgotten: just 50k from parents and grandparents already adds up to 200k excluding self-saved equity. Add another 100k saved here and financing suddenly is no problem even with a middle income.

Furthermore, I think a lot of "subsidies" are currently being generated through early payout of future inheritance shares.

All in all, there will still be enough capital available to avoid having to sell with a big discount in good locations. Moreover, not everyone necessarily has to sell, so the realtor's statement can be true - but it could also just be poker.

I also have the impression that many potential buyers are moving with family support. In our environment, no one has bought/built without family support or inheritance. An average income is enough for that. It’s not so easy for us to build something for the family when you have to compete with these buyers.

(...)
Third child (God willing) and second income remain, of course, a big issue or the big unknown.

Even if you don't want to hear it. If you really want to buy or newly build a property in your apparently quite expensive region in the near future...

Then you'd better do without a third child. Quite soberly considered, the third child is a high cost factor...