收入不达标，购房梦难圆？
家人们都买房了吗。
根据房地产经纪网站Redfin的数据，在美国人口多的50个大都市中，有一半的家庭收入达到当地中位数，却买不起首套住房。在南加洛杉矶和安纳海姆，购房者必须赚取当地中位数收入的2倍左右，才能买得起一套入门级住房。
举个例子，在洛杉矶，中位数收入为93,197美元，一个家庭需要赚184,477美元才能买得起一套入门级住房。洛杉矶7月首套房的中位数为615,000美元，这意味每月还款额将达到4,612美元或更多。
高房价让很多加州居民难以承受，而在美国其他一些地区，购房压力则相对较小。
来看看你家附近的情况如何吧。
| 美国主要大都市购买首套住房所需的收入（2024年7月） | |||
|---|---|---|---|
| 大都市区 | 首套住房售价中位数 | 首套住房每月贷款中位数 | 需要收入来负担首套住房 |
| Anaheim, CA | $740,000 | $6,283 | $251,302 |
| Atlanta, GA | $267,500 | $2,166 | $86,647 |
| Austin, TX | $327,000 | $2,945 | $117,781 |
| Baltimore, MD | $220,000 | $1,855 | $74,214 |
| Boston, MA | $496,000 | $4,211 | $168,440 |
| Charlotte, NC | $259,500 | $2,035 | $81,380 |
| Chicago, IL | $210,000 | $1,978 | $79,119 |
| Cincinnati, OH | $185,000 | $1,523 | $60,900 |
| Cleveland, OH | $130,000 | $1,130 | $45,192 |
| Columbus, OH | $200,000 | $1,672 | $66,897 |
| Dallas, TX | $275,000 | $2,459 | $98,370 |
| Denver, CO | $419,000 | $3,306 | $132,234 |
| Detroit, MI | $70,000 | $615 | $24,590 |
| Fort Lauderdale, FL | $225,000 | $1,928 | $77,137 |
| Fort Worth, TX | $245,250 | $2,162 | $86,474 |
| Houston, TX | $220,000 | $1,955 | $78,180 |
| Indianapolis, IN | $175,000 | $1,433 | $57,310 |
| Jacksonville, FL | $240,000 | $1,943 | $77,704 |
| Kansas City, MO | $185,000 | $1,527 | $61,073 |
| Las Vegas, NV | $300,000 | $2,320 | $92,793 |
| Los Angeles, CA | $615,000 | $4,612 | $184,477 |
| Miami, FL | $320,000 | $2,641 | $105,657 |
| Milwaukee, WI | $195,000 | $1,711 | $68,445 |
| Minneapolis, MN | $268,200 | $2,234 | $89,361 |
| Montgomery County, PA | $326,000 | $2,598 | $103,903 |
| Nashville, TN | $310,000 | $2,425 | $97,018 |
| Nassau County, NY | $530,000 | $4,701 | $188,038 |
| New Brunswick, NJ | $350,000 | $3,080 | $123,187 |
| New York, NY | $455,000 | $4,142 | $165,668 |
| Newark, NJ | $380,000 | $3,402 | $136,075 |
| Oakland, CA | $629,000 | $4,850 | $194,004 |
| Orlando, FL | $267,000 | $2,173 | $86,903 |
| Philadelphia, PA | $140,000 | $1,151 | $46,059 |
| Phoenix, AZ | $325,000 | $2,502 | $100,070 |
| Pittsburgh, PA | $122,000 | $1,037 | $41,493 |
| Portland, OR | $415,740 | $3,395 | $135,797 |
| Providence, RI | $360,000 | $3,056 | $122,255 |
| Riverside, CA | $408,000 | $3,072 | $122,884 |
| Sacramento, CA | $430,000 | $3,651 | $146,027 |
| San Antonio, TX | $205,000 | $1,836 | $73,435 |
| San Diego, CA | $652,750 | $4,949 | $197,978 |
| San Francisco, CA | $950,000 | $7,136 | $285,426 |
| San Jose, CA | $970,000 | $7,485 | $299,414 |
| Seattle, WA | $560,000 | $4,552 | $182,060 |
| St. Louis, MO | $127,500 | $1,055 | $42,218 |
| Tampa, FL | $250,000 | $2,037 | $81,499 |
| Virginia Beach, VA | $244,900 | $1,992 | $79,679 |
| Warren, MI | $187,600 | $1,588 | $63,524 |
| Washington, DC | $365,000 | $2,984 | $119,361 |
| West Palm Beach, FL | $248,250 | $2,061 | $82,431 |
| 注释*每月中位抵押贷款还款额的计算假设买家支付了3.5%的首付，并考虑了当月的中位售价和平均抵押贷款利率。其中包括本金、利息、税金和保险。 | |||
大家觉得准吗，欢迎留言讨论。
封面图：Depositphotos
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