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美国大多数人买房越来越难,这是不争的事实。随着抵押贷款利率超过7%,房价持续上涨,对于大多数美国人来说,买房已变得十分困难,即使是满怀希望、做出了最大牺牲的购房者也是如此。
事实上,教师的工资需要翻倍才能负担得起美国的普通住宅。考虑到教师对学生的无私奉献,他们的工资仍然严重偏低。根据Redfin今年春季发布的一份报告,美国教师的工资中位数略高于6.4万美元,但美国人需要年收入超过11.3万美元才能买得起一套中等价位的住房。而且没有迹象表明房价会很快下降:根据Redfin的数据,每月抵押贷款还款额中位数比疫情前的水平高出了90%。
此外,根据Redfin周三发布的一份新报告,教师只能负担得起学校通勤距离内14%的房屋。
Redfin的经济学家们写道:"租房和买房的成本都接近历史最高水平,但由于房价上涨相对较快、抵押贷款利率居高不下、可供选择的房产短缺问题更为严重,因此在待售市场,负担能力进一步恶化。”
许多教师在TikTok上也表达了同样的观点,即住房市场无论是在价格还是在供应方面都很紧张。一位教师称自己的购房过程“有点尴尬,非常难堪,而且简直令人惭愧”。
拥有超过16万粉丝和1000多万点赞的TikTok用户@ms.guy说:“我接到电话,说我没买到房子,原因是我没有资格。购房过程的最新进展:结束了。尽快寻找住处的过程:仍在进行中。‘(我)只能租房了,因为目前对盖伊女士来说买房是不可能实现的。’”
为什么教师买房这么难?
住房负担能力问题的症结在于教师工资的增长速度跟不上购房成本的上涨速度。马里兰大学(University of Maryland)建筑、规划与保护学院房地产开发副教授杰西·萨吉诺(Jesse Saginor)告诉《财富》杂志,包括警察和消防员在内的其他公职人员也很难买到住房。
萨吉诺说:"总的来说,工资跟不上住房成本的上涨速度,主要沿海城市的房价上涨速度要快得多。例如,佛罗里达州棕榈滩县的房屋价值中位数为493662美元,接近50万美元。那里的教师工资中位数为42473美元。问题在于普遍缺乏负担得起的住房。"
萨吉诺预计,教师的处境将进一步恶化。
萨吉诺说:“这是典型的教师工资跟不上住房成本上涨速度。对教师需求最大的地区可能也会有大量人口涌入,这将进一步增加对住房的需求,假设供应跟不上需求,住房价格将继续上涨。”
不过,一些房屋建筑商和房地产开发商已经重视这个问题,开始建造价位较低的房屋。总部位于丹佛的Challenger Homes就是一个例子,该公司的新建住宅可立即入住,价格低至37万美元。相比之下,根据美国人口普查局(U.S. Census Bureau)的数据,6月份售出的新房平均售价为48.72万美元。Challenger Homes还推出一项名为“家乡英雄购房福利”计划,其中包括向教师、消防员、执法人员、医生和护士提供2500美元信用额度,可用于新房设计或价格折扣。
Challenger Homes运营副总裁马修·兰金(Matthew Rankin)告诉《财富》杂志:Challenger Homes推出的计划面向的是“消失的中间层”(即“那些没有资格申请低收入住房,但可能难以负担市场价住房的人”)。
不过,兰金并不指望一夜之间就能扭转局面。
兰金说:“在短期内,教师的住房负担能力仍将是重大挑战。然而,看看9月份是否有可能出现降息,是否会导致利率下降,从而提高月供的可负担性,这将是一个值得关注的问题。虽然这在一定程度上可以减轻一些人的经济负担,但也可能加剧购房者之间的竞争,使住房市场进一步复杂化。”(财富中文网)
译者:中慧言-王芳
美国大多数人买房越来越难,这是不争的事实。随着抵押贷款利率超过7%,房价持续上涨,对于大多数美国人来说,买房已变得十分困难,即使是满怀希望、做出了最大牺牲的购房者也是如此。
事实上,教师的工资需要翻倍才能负担得起美国的普通住宅。考虑到教师对学生的无私奉献,他们的工资仍然严重偏低。根据Redfin今年春季发布的一份报告,美国教师的工资中位数略高于6.4万美元,但美国人需要年收入超过11.3万美元才能买得起一套中等价位的住房。而且没有迹象表明房价会很快下降:根据Redfin的数据,每月抵押贷款还款额中位数比疫情前的水平高出了90%。
此外,根据Redfin周三发布的一份新报告,教师只能负担得起学校通勤距离内14%的房屋。
Redfin的经济学家们写道:"租房和买房的成本都接近历史最高水平,但由于房价上涨相对较快、抵押贷款利率居高不下、可供选择的房产短缺问题更为严重,因此在待售市场,负担能力进一步恶化。”
许多教师在TikTok上也表达了同样的观点,即住房市场无论是在价格还是在供应方面都很紧张。一位教师称自己的购房过程“有点尴尬,非常难堪,而且简直令人惭愧”。
拥有超过16万粉丝和1000多万点赞的TikTok用户@ms.guy说:“我接到电话,说我没买到房子,原因是我没有资格。购房过程的最新进展:结束了。尽快寻找住处的过程:仍在进行中。‘(我)只能租房了,因为目前对盖伊女士来说买房是不可能实现的。’”
为什么教师买房这么难?
住房负担能力问题的症结在于教师工资的增长速度跟不上购房成本的上涨速度。马里兰大学(University of Maryland)建筑、规划与保护学院房地产开发副教授杰西·萨吉诺(Jesse Saginor)告诉《财富》杂志,包括警察和消防员在内的其他公职人员也很难买到住房。
萨吉诺说:"总的来说,工资跟不上住房成本的上涨速度,主要沿海城市的房价上涨速度要快得多。例如,佛罗里达州棕榈滩县的房屋价值中位数为493662美元,接近50万美元。那里的教师工资中位数为42473美元。问题在于普遍缺乏负担得起的住房。"
萨吉诺预计,教师的处境将进一步恶化。
萨吉诺说:“这是典型的教师工资跟不上住房成本上涨速度。对教师需求最大的地区可能也会有大量人口涌入,这将进一步增加对住房的需求,假设供应跟不上需求,住房价格将继续上涨。”
不过,一些房屋建筑商和房地产开发商已经重视这个问题,开始建造价位较低的房屋。总部位于丹佛的Challenger Homes就是一个例子,该公司的新建住宅可立即入住,价格低至37万美元。相比之下,根据美国人口普查局(U.S. Census Bureau)的数据,6月份售出的新房平均售价为48.72万美元。Challenger Homes还推出一项名为“家乡英雄购房福利”计划,其中包括向教师、消防员、执法人员、医生和护士提供2500美元信用额度,可用于新房设计或价格折扣。
Challenger Homes运营副总裁马修·兰金(Matthew Rankin)告诉《财富》杂志:Challenger Homes推出的计划面向的是“消失的中间层”(即“那些没有资格申请低收入住房,但可能难以负担市场价住房的人”)。
不过,兰金并不指望一夜之间就能扭转局面。
兰金说:“在短期内,教师的住房负担能力仍将是重大挑战。然而,看看9月份是否有可能出现降息,是否会导致利率下降,从而提高月供的可负担性,这将是一个值得关注的问题。虽然这在一定程度上可以减轻一些人的经济负担,但也可能加剧购房者之间的竞争,使住房市场进一步复杂化。”(财富中文网)
译者:中慧言-王芳
It’s no secret it’s become increasingly difficult for most people to buy a home in the U.S. With mortgage rates above 7% and home prices continuing to rise, it’s challenging, in many cases, for the average American to buy a house—even hopeful homebuyers who make the greatest sacrifices.
In fact, teacher pay would need to nearly double in order for them to afford a typical home in the U.S. Considering the level of selflessness teachers dedicate to their students, they continue to be severely underpaid. The median U.S. teacher salary in the U.S. is just over $64,000, yet Americans need to earn an annual income of more than $113,000 to afford a median-priced home, according to a Redfin report released this spring. And there’s no sign those figures will fall anytime soon: The median monthly mortgage payment has increased a whopping 90% above pre-pandemic levels, according to Redfin.
What’s more, teachers can afford only 14% of homes within commuting distance from their school, according to a new Redfin report released Wednesday.
“The cost of both renting and buying are near record highs, but affordability is more strained in the for-sale market because prices are rising relatively quickly, mortgage rates remain elevated, and the shortage of available properties is more severe,” Redfin economists wrote.
Many teachers have shared on TikTok that same sentiment that the housing market is strained—both in terms of price and availability. One teacher called the homebuying process “a little awkward, very embarrassing, and completely humbling.”
“I got the call that I’m not getting the house. I didn’t qualify,” said TikTok user @ms.guy, who has more than 160,000 followers and over 10 million likes on her posts. “Final update on the home buying process: it’s over. Trying to find a place to live as soon as possible process: ongoing. ‘[I’ll] just rent because home buying is not for Ms. Guy right now.”
Why it’s so hard for teachers to buy a home
The crux of the housing affordability issue is teacher wages aren’t increasing enough to keep pace with the rising cost of buying a house. Other public workers, including police officers and firefighters, also struggle to buy a house, Jesse Saginor, an associate professor of real estate development at the University of Maryland’s School of Architecture, Planning & Preservation, told Fortune.
“In general, wages have not kept up with the cost of housing, and major coastal metros have had home values increase far more quickly,” Saginor said. “For instance, the median home value in Palm Beach County, Fla., is $493,662, nearly half a million dollars. The median teacher salary [there] is $42,473. The issue is the general lack of affordable housing.”
And Saginor expects teachers’ situation to continue to worsen.
“The typical teacher salary has not kept up with the cost of housing,” Saginor said. “Areas that may have the most demand for teachers may also have an influx of population, which would also increase the demand for housing and, assuming that supply lags behind demand, would continue to make housing more expensive.”
However, some home builders and real estate developers have taken the issue to heart and are starting to build houses at lower price points. One example is Denver-based Challenger Homes, which has move-in ready new construction homes with prices as low as $370,000. By comparison, the average sales price of new houses sold in June was $487,200, according to the U.S. Census Bureau. Challenger Homes also offers a program called Hometown Hero Homebuyer benefits, which includes a $2,500 credit available to teachers, firefighters, law enforcement officers, doctors, and nurses that can be used toward the design of the new home or a discount off its price.
Challenger Homes’ programming allows buyers in the “missing middle,” or “those who don’t qualify for low-income housing, but might struggle with the cost of market-rate homes,” Matthew Rankin, vice president of operations at Challenger Homes, told Fortune.
Still, Rankin doesn’t expect a turnaround overnight.
“The affordability of housing for teachers is likely to remain a significant challenge in the near term,” Rankin said. “However, it will be interesting to see if a potential rate cut in September could help decrease interest rates, which would make mortgage payments more affordable. While this could ease the financial burden for some, it might also increase competition among buyers, further complicating the housing market.”