美國的住房價格近年來一路走高,不斷刷新紀(jì)錄,最近的房價走勢更是讓剛需購房者雪上加霜。
根據(jù)房地產(chǎn)網(wǎng)站Zillow上周四的一份報告,一套起步房(也就是某一地區(qū)房價最便宜的那三分之一的房子)房價至少在100萬美元以上的美國城市已經(jīng)達到237個,創(chuàng)下歷史新高。而在2019年,此類城市僅有84個。
房地產(chǎn)市場是有路徑依賴效應(yīng)的。由于美聯(lián)儲的加息,以及隨之而來的高抵押貸款利率,讓有房一族減緩了換房的速度,因此美國的房地產(chǎn)市場庫存也一直處于低位。
除了供應(yīng)端的疲軟,房地產(chǎn)的需求端也居高不下,這進一步抬高了房價,使得潛在購房者無法獲得更多選擇。
不過對于首次購房者來說也有一個好消息,根據(jù)Zillow的數(shù)據(jù),多數(shù)起步房價在100萬美元以上的城市,都集中在美國少數(shù)的幾個州。
雖然美國差不多有一半的州都至少有一個起步房價在100萬美元以上的城市,但全美有近半數(shù)此類城市集中在加利福尼亞州,該州有 117個城市起步房價就超過了百萬美元。其次是紐約州(31城)、新澤西州(21城),以及佛羅里達州和馬薩諸塞州(各11城)。
Zillow網(wǎng)站指出:“對房地產(chǎn)開發(fā)規(guī)定得最嚴格的都市圈,往往匯聚了最多起步房價超百萬美元的城市。同時他們也是房屋擁有率較低的地區(qū)。”
Zillow的報告顯示,從全美范圍看,美國的平均起步房價是196611 美元,在過去五年中增長了約54.1%,超過了同期整體49%的房價漲幅。
與此同時,Zillow早些時候的數(shù)據(jù)顯示,現(xiàn)在的美國購房者在買房時一般需要支付35%的首付,而已經(jīng)不是傳統(tǒng)的20%了。而房價中位數(shù)在100萬美元以上的城市數(shù)量,也從去年的491個增加到了550 個。
不過也有跡象表明,房地產(chǎn)市場正在朝著更有利于購房者的方向轉(zhuǎn)型。由于預(yù)期美聯(lián)儲將在今年晚些時候降息,目前抵押貸款利率已經(jīng)有所下降,更多的房源也進入了市場,建筑商也在持續(xù)增加庫存。而潛在購房者則在以創(chuàng)紀(jì)錄的速度退出市場。
Zillow網(wǎng)站在上周四的報告上指出:“隨著待售房屋增多,購房者有了更多的時間來權(quán)衡自己的選擇。由于今年房市的降價速度創(chuàng)下新高,加之房市庫存持續(xù)走高,這些都有助于購房者在談判時處于更主動的地位。”(財富中文網(wǎng))
譯者:樸成奎
美國的住房價格近年來一路走高,不斷刷新紀(jì)錄,最近的房價走勢更是讓剛需購房者雪上加霜。
根據(jù)房地產(chǎn)網(wǎng)站Zillow上周四的一份報告,一套起步房(也就是某一地區(qū)房價最便宜的那三分之一的房子)房價至少在100萬美元以上的美國城市已經(jīng)達到237個,創(chuàng)下歷史新高。而在2019年,此類城市僅有84個。
房地產(chǎn)市場是有路徑依賴效應(yīng)的。由于美聯(lián)儲的加息,以及隨之而來的高抵押貸款利率,讓有房一族減緩了換房的速度,因此美國的房地產(chǎn)市場庫存也一直處于低位。
除了供應(yīng)端的疲軟,房地產(chǎn)的需求端也居高不下,這進一步抬高了房價,使得潛在購房者無法獲得更多選擇。
不過對于首次購房者來說也有一個好消息,根據(jù)Zillow的數(shù)據(jù),多數(shù)起步房價在100萬美元以上的城市,都集中在美國少數(shù)的幾個州。
雖然美國差不多有一半的州都至少有一個起步房價在100萬美元以上的城市,但全美有近半數(shù)此類城市集中在加利福尼亞州,該州有 117個城市起步房價就超過了百萬美元。其次是紐約州(31城)、新澤西州(21城),以及佛羅里達州和馬薩諸塞州(各11城)。
Zillow網(wǎng)站指出:“對房地產(chǎn)開發(fā)規(guī)定得最嚴格的都市圈,往往匯聚了最多起步房價超百萬美元的城市。同時他們也是房屋擁有率較低的地區(qū)?!?/p>
Zillow的報告顯示,從全美范圍看,美國的平均起步房價是196611 美元,在過去五年中增長了約54.1%,超過了同期整體49%的房價漲幅。
與此同時,Zillow早些時候的數(shù)據(jù)顯示,現(xiàn)在的美國購房者在買房時一般需要支付35%的首付,而已經(jīng)不是傳統(tǒng)的20%了。而房價中位數(shù)在100萬美元以上的城市數(shù)量,也從去年的491個增加到了550 個。
不過也有跡象表明,房地產(chǎn)市場正在朝著更有利于購房者的方向轉(zhuǎn)型。由于預(yù)期美聯(lián)儲將在今年晚些時候降息,目前抵押貸款利率已經(jīng)有所下降,更多的房源也進入了市場,建筑商也在持續(xù)增加庫存。而潛在購房者則在以創(chuàng)紀(jì)錄的速度退出市場。
Zillow網(wǎng)站在上周四的報告上指出:“隨著待售房屋增多,購房者有了更多的時間來權(quán)衡自己的選擇。由于今年房市的降價速度創(chuàng)下新高,加之房市庫存持續(xù)走高,這些都有助于購房者在談判時處于更主動的地位?!保ㄘ敻恢形木W(wǎng))
譯者:樸成奎
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.”