在美国生活，通常都是通过贷款买房子，而成功买房后，可能要花费30年的时间来偿还房贷。而在这期间，个人的财务状况可能会因为工作、家庭或其他经济波动而变化。
SmartAsset对全美40个最大的大都会区进行了排名，评估在哪些地方最容易偿还房贷。分析基于2023年的抵押贷款数据，计算了各地30年期固定利率抵押贷款的中位数本金和利息支付，然后再与这些新房主的中位收入进行比较。
美国哪儿的房贷最容易还清？
划重点：
- 匹兹堡是最容易偿还房贷的城市。在匹兹堡，新房主的中位收入为$101,000，使得每月$1,377的本金和利息偿还最为轻松。月供仅占家庭总收入的16.4%。这基于$265,000的中位房产价值、78.2的贷款价值比（LTV）和6.99%的中位利率计算得出。
- 加州大都会区的房贷最难还清。最难还清抵押贷款的五个地方都位于加州：其中圣何塞垫底，月供$6,588占家庭总收入（$271,000）的29.2%；紧跟着是圣地亚哥（28.6%）、洛杉矶（28.4%）、旧金山（27.2%）和河滨市（26.9%），这些地区的房贷偿还难度都相对较高。
- Virginia Beach的抵押贷款利率最高。VB大都会区的新常规抵押贷款中位利率为 7.38%，这意味着每月还款金额达到$1,950，而家庭收入为$109,000。VB总体排名第23位，房贷支出占家庭总收入的21.5%。
- 德州奥斯汀的新购房者利率最低。奥斯汀大都会区的传统抵押贷款的中位利率为6.5%。虽然当地新房主的中位收入较高（$160,000），但房价也相对较高（$505,000）。奥斯汀总体排名第10位，房贷支出占家庭总收入的19.1%。
| 美国最容易还清房贷的大城市排名 | ||||
|---|---|---|---|---|
| 排名 | 都会区 | 月供占收入% | 中位年收入 | 中位房价 |
| 1 | Pittsburgh, PA | 16.4% | $101,000 | $265,000 |
| 2 | Houston-The Woodlands-Sugar Land, TX | 17.09% | $133,000 | $365,000 |
| 3 | Detroit-Warren-Dearborn, MI | 17.54% | $84,000 | $225,000 |
| 4 | Cleveland-Elyria, OH | 17.60% | $96,000 | $265,000 |
| 5 | San Antonio-New Braunfels, TX | 17.67% | $117,000 | $345,000 |
| 6 | St. Louis, MO-IL | 17.94% | $105,000 | $295,000 |
| 7 | Milwaukee-Waukesha, WI | 17.98% | $112,000 | $345,000 |
| 8 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 18.47% | $102,000 | $315,000 |
| 9 | Cincinnati, OH-KY-IN | 18.73% | $104,000 | $305,000 |
| 10 | Austin-Round Rock-Georgetown, TX | 19.12% | $160,000 | $505,000 |
| 11 | Kansas City, MO-KS | 19.26% | $113,000 | $345,000 |
| 12 | Chicago-Naperville-Elgin, IL-IN-WI | 19.53% | $116,000 | $355,000 |
| 13 | Dallas-Fort Worth-Arlington, TX | 19.98% | $148,000 | $475,000 |
| 14 | Indianapolis-Carmel-Anderson, IN | 20.07% | $103,000 | $325,000 |
| 15 | Columbus, OH | 20.45% | $112,000 | $355,000 |
| 16 | Raleigh-Cary, NC | 20.71% | $134,000 | $465,000 |
| 17 | Jacksonville, FL | 20.89% | $116,000 | $405,000 |
| 18 | Minneapolis-St. Paul-Bloomington, MN-WI | 20.99% | $117,000 | $385,000 |
| 19 | Baltimore-Columbia-Towson, MD | 21.02% | $129,000 | $425,000 |
| 20 | Tampa-St. Petersburg-Clearwater, FL | 21.06% | $118,000 | $415,000 |
| 21 | Charlotte-Concord-Gastonia, NC-SC | 21.32% | $121,000 | $425,000 |
| 22 | Atlanta-Sandy Springs-Alpharetta, GA | 21.39% | $123,000 | $435,000 |
| 23 | Virginia Beach-Norfolk-Newport News, VA-NC | 21.47% | $109,000 | $365,000 |
| 24 | Orlando-Kissimmee-Sanford, FL | 21.84% | $122,000 | $445,000 |
| 25 | Providence-Warwick, RI-MA | 22.77% | $117,000 | $465,000 |
| 26 | Nashville-Davidson--Murfreesboro--Franklin, TN | 23.42% | $124,000 | $485,000 |
| 27 | Phoenix-Mesa-Chandler, AZ | 23.99% | $122,000 | $495,000 |
| 28 | Boston-Cambridge-Newton, MA-NH | 24.64% | $161,000 | $695,000 |
| 29 | New York-Newark-Jersey City, NY-NJ-PA | 24.89% | $172,000 | $755,000 |
| 30 | Washington-Arlington-Alexandria, DC-VA-MD-WV | 24.97% | $154,000 | $605,000 |
| 31 | Las Vegas-Henderson-Paradise, NV | 25.05% | $113,000 | $455,000 |
| 32 | Sacramento-Roseville-Folsom, CA | 25.13% | $144,000 | $605,000 |
| 33 | Seattle-Tacoma-Bellevue, WA | 25.74% | $178,000 | $815,000 |
| 34 | Denver-Aurora-Lakewood, CO | 25.75% | $143,000 | $615,000 |
| 35 | Portland-Vancouver-Hillsboro, OR-WA | 25.96% | $136,000 | $575,000 |
| 36 | Riverside-San Bernardino-Ontario, CA | 26.93% | $135,000 | $605,000 |
| 37 | San Francisco-Oakland-Berkeley, CA | 27.24% | $282,000 | $1,505,000 |
| 38 | Los Angeles-Long Beach-Anaheim, CA | 28.42% | $177,000 | $905,000 |
| 39 | San Diego-Chula Vista-Carlsbad, CA | 28.56% | $180,000 | $905,000 |
| 40 | San Jose-Sunnyvale-Santa Clara, CA | 29.17% | $271,000 | $1,475,000 |
讨论
现在到降息周期了，房贷利率应该也会越来越低。美国的小伙伴们，大家觉得当地的房价可以承受吗？还房贷有压力吗？房贷月供占了收入的多少趴呢？欢迎在评论区分享~
来源：SmartAsset，封面图Credit：SmartAsset
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