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美国的住房价格近年来一路走高,不断刷新纪录,最近的房价走势更是让刚需购房者雪上加霜。
根据房地产网站Zillow上周四的一份报告,一套起步房(也就是某一地区房价最便宜的那三分之一的房子)房价至少在100万美元以上的美国城市已经达到237个,创下历史新高。而在2019年,此类城市仅有84个。
房地产市场是有路径依赖效应的。由于美联储的加息,以及随之而来的高抵押贷款利率,让有房一族减缓了换房的速度,因此美国的房地产市场库存也一直处于低位。
除了供应端的疲软,房地产的需求端也居高不下,这进一步抬高了房价,使得潜在购房者无法获得更多选择。
不过对于首次购房者来说也有一个好消息,根据Zillow的数据,多数起步房价在100万美元以上的城市,都集中在美国少数的几个州。
虽然美国差不多有一半的州都至少有一个起步房价在100万美元以上的城市,但全美有近半数此类城市集中在加利福尼亚州,该州有 117个城市起步房价就超过了百万美元。其次是纽约州(31城)、新泽西州(21城),以及佛罗里达州和马萨诸塞州(各11城)。
Zillow网站指出:“对房地产开发规定得最严格的都市圈,往往汇聚了最多起步房价超百万美元的城市。同时他们也是房屋拥有率较低的地区。”
Zillow的报告显示,从全美范围看,美国的平均起步房价是196611 美元,在过去五年中增长了约54.1%,超过了同期整体49%的房价涨幅。
与此同时,Zillow早些时候的数据显示,现在的美国购房者在买房时一般需要支付35%的首付,而已经不是传统的20%了。而房价中位数在100万美元以上的城市数量,也从去年的491个增加到了550 个。
不过也有迹象表明,房地产市场正在朝着更有利于购房者的方向转型。由于预期美联储将在今年晚些时候降息,目前抵押贷款利率已经有所下降,更多的房源也进入了市场,建筑商也在持续增加库存。而潜在购房者则在以创纪录的速度退出市场。
Zillow网站在上周四的报告上指出:“随着待售房屋增多,购房者有了更多的时间来权衡自己的选择。由于今年房市的降价速度创下新高,加之房市库存持续走高,这些都有助于购房者在谈判时处于更主动的地位。”(财富中文网)
译者:朴成奎
美国的住房价格近年来一路走高,不断刷新纪录,最近的房价走势更是让刚需购房者雪上加霜。
根据房地产网站Zillow上周四的一份报告,一套起步房(也就是某一地区房价最便宜的那三分之一的房子)房价至少在100万美元以上的美国城市已经达到237个,创下历史新高。而在2019年,此类城市仅有84个。
房地产市场是有路径依赖效应的。由于美联储的加息,以及随之而来的高抵押贷款利率,让有房一族减缓了换房的速度,因此美国的房地产市场库存也一直处于低位。
除了供应端的疲软,房地产的需求端也居高不下,这进一步抬高了房价,使得潜在购房者无法获得更多选择。
不过对于首次购房者来说也有一个好消息,根据Zillow的数据,多数起步房价在100万美元以上的城市,都集中在美国少数的几个州。
虽然美国差不多有一半的州都至少有一个起步房价在100万美元以上的城市,但全美有近半数此类城市集中在加利福尼亚州,该州有 117个城市起步房价就超过了百万美元。其次是纽约州(31城)、新泽西州(21城),以及佛罗里达州和马萨诸塞州(各11城)。
Zillow网站指出:“对房地产开发规定得最严格的都市圈,往往汇聚了最多起步房价超百万美元的城市。同时他们也是房屋拥有率较低的地区。”
Zillow的报告显示,从全美范围看,美国的平均起步房价是196611 美元,在过去五年中增长了约54.1%,超过了同期整体49%的房价涨幅。
与此同时,Zillow早些时候的数据显示,现在的美国购房者在买房时一般需要支付35%的首付,而已经不是传统的20%了。而房价中位数在100万美元以上的城市数量,也从去年的491个增加到了550 个。
不过也有迹象表明,房地产市场正在朝着更有利于购房者的方向转型。由于预期美联储将在今年晚些时候降息,目前抵押贷款利率已经有所下降,更多的房源也进入了市场,建筑商也在持续增加库存。而潜在购房者则在以创纪录的速度退出市场。
Zillow网站在上周四的报告上指出:“随着待售房屋增多,购房者有了更多的时间来权衡自己的选择。由于今年房市的降价速度创下新高,加之房市库存持续走高,这些都有助于购房者在谈判时处于更主动的地位。”(财富中文网)
译者:朴成奎
The housing market’s affordability crisis keeps setting dubious milestones, and that latest one adds to the woes that first-time homebuyers are facing.
According to a Zillow report on Thursday, the typical starter home, which is defined as a house in the lowest third of values in a given region, is worth at least $1 million in a record-high 237 cities. That’s nearly triple the pre-pandemic level of 84 such cities in 2019.
The housing market’s lock-in effect, where Fed rate hikes and subsequent high mortgage rates discouraged homeowners from moving, has kept inventory low.
In addition to weak supply, demand has remained high, lifting home prices and putting more options out of reach for prospective buyers.
But the good news for first-time buyers is that most of the cities where $1 million starter homes are the norm are concentrated in a handful of states, according to Zillow.
While half of all states have at least one city with $1 million starter homes, nearly half of the national total are located in California, which has 117 such cities. New York is next with 31, followed by New Jersey with 21, with Florida and Massachusetts each having 11.
“Metros with the most-restrictive building regulations tend to have the largest number of cities with $1 million starter homes,” Zillow said. “They are also markets with lower homeownership rates.”
Nationwide, the typical starter home is worth $196,611, up 54.1% over the past five years, according to the report. That outpaces the 49% increase for homes overall during that time.
Meanwhile, earlier Zillow data showed that homebuyers now need a 35% downpayment to afford a typical home, instead of the traditional 20%. And the number of cities where the median-priced home is at least $1 million shot up to 550 from 491 last year.
But there have been some signs that the housing market is shifting more in favor of buyers. Mortgage rates have dipped on expectations of Fed rate cuts later this year, more listings have come into the market, and builders are also adding to inventory. Prospective homebuyers are even backing out of deals at a record pace.
“With more homes for-sale, buyers have more time to weigh their options,” Zillow said on Thursday. “Rising housing inventory is also helping the negotiating power swing in buyers’ favor as price cuts are at record highs for this time of year.”