美国购房者的年龄正在不断攀升,达到了历史新高,越来越多年轻购房者望而却步。
美国房地产经纪人协会周一公布的一项调查显示,美国购房者的年龄中位数目前为56岁,相较于去年的49岁,增加了7岁。在2010年代,普通购房者的年龄中位数在45岁左右。这些年龄较大的购房者也略显富裕,家庭收入中位数从2022年的10.7万美元上升到10.88万美元。
在上世纪80年代,首次购房者的平均年龄大约为20多岁,如今这一数字已经从去年的35岁上升到38岁左右。调查显示,那些有能力购买房产的年长首次购房者的家庭收入中位数也从一年前的9.59万美元上升到了9.7万美元。
重复购房者的年龄中位数也从去年的58岁增加至61岁。他们的收入也有所增加,从一年前的11.17万美元增至11.43万美元。
普通购房者、首次购房者以及重复购房者的年龄中位数均达到了历史最高点。
随着房价和抵押贷款利率自疫情以来一路飙升,美国购房者年龄也在不断上升。根据美国房地产经纪人协会的数据,自2020年以来,美国房屋售价中位数上涨了39%,达到43.5万美元,而30年抵押贷款利率则从2020年的不到3%飙升至约6%。
由于住房供应仍然不足,加之全国各地的开发不足,房价居高不下。即使是曾经能够负担得起的中西部和阳光地带城市,对大多数美国人来说也越来越遥不可及。根据The Hustle的一项研究,在这些地区的一些大城市中,有一半街区的房价至少是该大都市地区家庭收入中位数的四倍。
随着房价的不断攀升,越来越多的年轻购房者望而却步,而且越来越多的人选择租房或与父母同住。然而,那些在疫情前能够购买首套住房的人觉得,由于自那时以来利率不断上升,他们感觉自己被困在了首套住房里。
美联储9月份降息0.5个百分点后,抵押贷款利率大幅下降。然而,此后利率又有所上升,部分原因是人们担心,特朗普当选之后,通胀可能会反弹。(财富中文网)
译者:中慧言-王芳
美国购房者的年龄正在不断攀升,达到了历史新高,越来越多年轻购房者望而却步。
美国房地产经纪人协会周一公布的一项调查显示,美国购房者的年龄中位数目前为56岁,相较于去年的49岁,增加了7岁。在2010年代,普通购房者的年龄中位数在45岁左右。这些年龄较大的购房者也略显富裕,家庭收入中位数从2022年的10.7万美元上升到10.88万美元。
在上世纪80年代,首次购房者的平均年龄大约为20多岁,如今这一数字已经从去年的35岁上升到38岁左右。调查显示,那些有能力购买房产的年长首次购房者的家庭收入中位数也从一年前的9.59万美元上升到了9.7万美元。
重复购房者的年龄中位数也从去年的58岁增加至61岁。他们的收入也有所增加,从一年前的11.17万美元增至11.43万美元。
普通购房者、首次购房者以及重复购房者的年龄中位数均达到了历史最高点。
随着房价和抵押贷款利率自疫情以来一路飙升,美国购房者年龄也在不断上升。根据美国房地产经纪人协会的数据,自2020年以来,美国房屋售价中位数上涨了39%,达到43.5万美元,而30年抵押贷款利率则从2020年的不到3%飙升至约6%。
由于住房供应仍然不足,加之全国各地的开发不足,房价居高不下。即使是曾经能够负担得起的中西部和阳光地带城市,对大多数美国人来说也越来越遥不可及。根据The Hustle的一项研究,在这些地区的一些大城市中,有一半街区的房价至少是该大都市地区家庭收入中位数的四倍。
随着房价的不断攀升,越来越多的年轻购房者望而却步,而且越来越多的人选择租房或与父母同住。然而,那些在疫情前能够购买首套住房的人觉得,由于自那时以来利率不断上升,他们感觉自己被困在了首套住房里。
美联储9月份降息0.5个百分点后,抵押贷款利率大幅下降。然而,此后利率又有所上升,部分原因是人们担心,特朗普当选之后,通胀可能会反弹。(财富中文网)
译者:中慧言-王芳
Homebuyers in the U.S. are older than they ever have been, and younger buyers are increasingly being crowded out of the market.
The median U.S. homebuyer is now 56, up seven years from 49 last year, according to a Monday survey from the National Association of Realtors. In the 2010’s, the typical homebuyer was in their low to mid-40s. These older buyers are also slightly wealthier, with a median household income of $108,800, up from 107,000 in 2022.
First-time buyers, who in the 1980’s were still in their late 20’s, are now around 38 years old, up from 35 last year. And older first-time buyers who can afford homes also had a higher median household income of $97,000, compared to $95,900 a year ago, according to the survey.
The median age for repeat buyers also jumped to 61, up from 58 last year. Their income also increased, coming in at $114,300, compared to $111,700 a year ago.
The ages of the median typical homebuyer, the median first-time buyer, and the median repeat buyer were all at all-time-highs.
The rising age of the American homebuyer comes as home prices and mortgage rates have skyrocketed since the pandemic. The median selling price for a home is now up 39% since 2020 at $435,000, according to the NAR, while the interest rate on a 30-year mortgage has skyrocketed to about 6% from under 3% in 2020.
The lack of development across the country has also kept prices high as the housing supply remains low. Even the once affordable Midwest and Sunbelt cities are increasingly out of reach for most Americans. Half of the ZIP codes in some of the biggest cities in these regions are at least four times as expensive as the median household income in the metro area, according to a study by The Hustle.
As younger buyers get increasingly priced out of the housing market, more are renting or living with their parents. Yet, those that were able to buy a first home pre-pandemic feel like they are stuck in their starter home because of interest-rate increases that have hit since then.
After the Federal Reserve cut rates in September by half a percentage point, mortgage rates plummeted. Yet, rates have since increased, in part because of fears that inflation could rebound if Trump is elected president.