If I were on what I consider an average Income (About NZ$75-100k a year) and had 3 kids, then it'd have to be a Honda Accord V6 Mugen, either that or a Peugeot 407 2.2 Sport.
If I was on what most NZers consider an average income, then a 1994-1995 Honda Accord EXi-S or a a later VTi-S manual.