許多美國(guó)人仍在為找房而苦苦掙扎——無(wú)論是因?yàn)楦叩盅嘿J款利率、房?jī)r(jià)和租金,還是因?yàn)榈蛶?kù)存——一些最年輕、最富有的房主和租房者已經(jīng)采取行動(dòng)。
富裕的Z世代和千禧一代(年齡在26歲到35歲之間)為了更好的工作和生活方式,以及一些州提供的稅收優(yōu)惠而搬遷。
得克薩斯州奧斯汀Engel & V?lkers公司的房地產(chǎn)經(jīng)紀(jì)人特拉西·威爾遜(Traci Wilson)向《財(cái)富》雜志表示:“他們想知道自己的資金能維持多長(zhǎng)時(shí)間。隨著全球通脹加劇,每一分錢都至關(guān)重要。他們能否建立一種生活方式,繼續(xù)提升自己的事業(yè)和生活質(zhì)量?他們能否看到自己養(yǎng)育子女,并為子女提供能讓他們走向成功的生活?這些都是年輕富人決定在哪里定居時(shí)會(huì)問(wèn)自己的問(wèn)題?!?/p>
對(duì)于年輕的專業(yè)人士來(lái)說(shuō),少數(shù)幾個(gè)州具有明顯的優(yōu)勢(shì)。金融咨詢公司SmartAsset利用美國(guó)國(guó)稅局(IRS)的數(shù)據(jù),對(duì)年收入至少20萬(wàn)美元的年輕人遷居最多的州進(jìn)行了分析和排名。不出所料,排在榜首的兩個(gè)州——佛羅里達(dá)州和得克薩斯州——是不征收州所得稅的,這吸引了更多的年輕人移居到那里。
房地產(chǎn)數(shù)據(jù)分析公司UrbanDigs的聯(lián)合創(chuàng)始人約翰·沃卡普(John Walkup)在接受《財(cái)富》雜志采訪時(shí)表示:“得克薩斯州的夏天可能讓人難以忍受,但由于沒(méi)有州稅,人們有機(jī)會(huì)買得起一棟陳設(shè)講究的好住宅,在車道上停一兩輛豪車,有良好的人際交往機(jī)會(huì),一年四季都可以參加戶外活動(dòng)[和]體育運(yùn)動(dòng),還有一個(gè)像樣的機(jī)場(chǎng),冬天可以送你去滑雪場(chǎng),夏天可以去歐洲。有什么理由不喜歡呢?”
各州的排名依據(jù)的是2022年收入至少20萬(wàn)美元的26至35歲移居家庭的凈數(shù)量。
年輕人和富人遷居最多的4個(gè)州
1. 佛羅里達(dá)州
一直以來(lái),佛羅里達(dá)州都是退休人員的理想居住地——既有溫暖的氣候,又有稅收優(yōu)惠。但是,年輕人也在成群結(jié)隊(duì)地搬到那里。2022年,3870個(gè)年輕富裕家庭搬到佛羅里達(dá)州,當(dāng)年凈增1700多個(gè)家庭。這些家庭調(diào)整后的平均總收入超過(guò)52.6萬(wàn)美元,是2022年美國(guó)家庭收入中位數(shù)的7倍。
Douglas Elliman Real Estate的房地產(chǎn)經(jīng)紀(jì)人杰奎琳·比德(Jaclyn Bild)告訴《財(cái)富》雜志:“年輕富有的買家被佛羅里達(dá)州,尤其是南佛羅里達(dá)州吸引,這不足為奇,因?yàn)樵谶^(guò)去幾年里,這里已經(jīng)成為了豪華房地產(chǎn)、商業(yè)和文化的中心。佛羅里達(dá)州集高品質(zhì)生活、經(jīng)濟(jì)機(jī)會(huì)和優(yōu)惠的稅收結(jié)構(gòu)于一身,極具吸引力。”
此外,一些最成功的商界領(lǐng)袖已經(jīng)搬到了佛羅里達(dá)州,這可能會(huì)激勵(lì)有抱負(fù)的高管也這樣做。亞馬遜公司(Amazon)創(chuàng)始人兼前首席執(zhí)行官杰夫·貝索斯(Jeff Bezos)宣布,他將于2023年從西雅圖搬到邁阿密。這在當(dāng)時(shí)是令人驚訝的,直到我們了解到佛羅里達(dá)州對(duì)億萬(wàn)富翁友好的稅法將為他節(jié)省多少稅收。今年4月,貝索斯以9000萬(wàn)美元的價(jià)格在南佛羅里達(dá)州的印第安溪島(Indian Creek Island)購(gòu)買了他的第三座豪宅,該島也被稱為“億萬(wàn)富翁堡壘”(Billionaire Bunker)。邁阿密如今也被稱為“南方華爾街”,肯·格里芬(Ken Griffin)將堡壘搬到了這里,并建造了一座摩天大樓。
比德說(shuō):“這些高知名度的代言人讓邁阿密成為全球關(guān)注的焦點(diǎn),增加了富裕買家的興趣。還要牢記稅收優(yōu)惠。來(lái)自紐約或加州的高收入者發(fā)現(xiàn),僅僅通過(guò)改變郵政編碼,他們的銀行賬戶就添加好了?!?/p>
2. 得克薩斯州
富裕的Z世代和千禧一代也涌入孤星州。2022年,該州凈增1660個(gè)家庭,這也可能是由于該州不征收所得稅。
威爾遜說(shuō):“具體到得克薩斯州,很多年輕人和富人因?yàn)槎愂諆?yōu)惠而搬家。比起加利福尼亞這樣的州,他們的資金能維持更長(zhǎng)時(shí)間。得克薩斯州價(jià)值200萬(wàn)美元的住宅與加利福尼亞州價(jià)值500萬(wàn)美元的住宅不相上下?!?/p>
事實(shí)上,根據(jù)這項(xiàng)研究,加州在榜單上的排名相當(dāng)靠后,失去了3000多個(gè)年輕富裕家庭。在加州的住房危機(jī)中,房?jī)r(jià)繼續(xù)飆升。
但年輕人也被得克薩斯州大城市的生活方式所吸引。
威爾遜說(shuō):“奧斯汀和達(dá)拉斯是‘18小時(shí)城市’,千禧一代被更大的空間和更低的成本、社區(qū)感和就業(yè)機(jī)會(huì)所吸引。他們還被新興地區(qū)的投資潛力所吸引?!?/p>
3. 科羅拉多州
在SmartAsset的最年輕、最富有家庭移居地名單上,科羅拉多州排名第三,2022年凈增720戶家庭。
長(zhǎng)期以來(lái),科羅拉多州一直吸引著生活方式活躍的人們,他們被科羅拉多州的山脈和豐富多彩的戶外活動(dòng)所吸引。
最近,科羅拉多州部分地區(qū)的房屋掛牌量開始增加,表明房地產(chǎn)市場(chǎng)放緩,為購(gòu)房者和租房者提供了便利。
4. 北卡羅來(lái)納州
北卡羅來(lái)納州的年輕富裕家庭也有所增加。2022年,該州凈增了521戶家庭,這些家庭調(diào)整后的平均總收入為375057美元,是2022年美國(guó)家庭收入中位數(shù)的5倍。
根據(jù)北卡羅來(lái)納大學(xué)教堂山分校(University of North Carolina at Chapel Hill)的一項(xiàng)研究,北卡羅來(lái)納州的大部分移民來(lái)自佛羅里達(dá)州、紐約州、弗吉尼亞州、南卡羅來(lái)納州和加利福尼亞州。
雖然北卡羅來(lái)納州征收州所得稅,但吸引年輕人來(lái)此的原因還有其他。
西夏洛特U-Haul公司總裁凱·丘奇(Kay Church)在2023年的一份聲明中說(shuō):“是一個(gè)如此多元化的州人們正搬到北卡羅來(lái)納州,因?yàn)樗N覀冇猩矫}和海灘,有小城鎮(zhèn)和大城市。只要你能說(shuō)出名字,就能在北卡羅來(lái)納州找到。”(財(cái)富中文網(wǎng))
譯者:中慧言-王芳
許多美國(guó)人仍在為找房而苦苦掙扎——無(wú)論是因?yàn)楦叩盅嘿J款利率、房?jī)r(jià)和租金,還是因?yàn)榈蛶?kù)存——一些最年輕、最富有的房主和租房者已經(jīng)采取行動(dòng)。
富裕的Z世代和千禧一代(年齡在26歲到35歲之間)為了更好的工作和生活方式,以及一些州提供的稅收優(yōu)惠而搬遷。
得克薩斯州奧斯汀Engel & V?lkers公司的房地產(chǎn)經(jīng)紀(jì)人特拉西·威爾遜(Traci Wilson)向《財(cái)富》雜志表示:“他們想知道自己的資金能維持多長(zhǎng)時(shí)間。隨著全球通脹加劇,每一分錢都至關(guān)重要。他們能否建立一種生活方式,繼續(xù)提升自己的事業(yè)和生活質(zhì)量?他們能否看到自己養(yǎng)育子女,并為子女提供能讓他們走向成功的生活?這些都是年輕富人決定在哪里定居時(shí)會(huì)問(wèn)自己的問(wèn)題?!?/p>
對(duì)于年輕的專業(yè)人士來(lái)說(shuō),少數(shù)幾個(gè)州具有明顯的優(yōu)勢(shì)。金融咨詢公司SmartAsset利用美國(guó)國(guó)稅局(IRS)的數(shù)據(jù),對(duì)年收入至少20萬(wàn)美元的年輕人遷居最多的州進(jìn)行了分析和排名。不出所料,排在榜首的兩個(gè)州——佛羅里達(dá)州和得克薩斯州——是不征收州所得稅的,這吸引了更多的年輕人移居到那里。
房地產(chǎn)數(shù)據(jù)分析公司UrbanDigs的聯(lián)合創(chuàng)始人約翰·沃卡普(John Walkup)在接受《財(cái)富》雜志采訪時(shí)表示:“得克薩斯州的夏天可能讓人難以忍受,但由于沒(méi)有州稅,人們有機(jī)會(huì)買得起一棟陳設(shè)講究的好住宅,在車道上停一兩輛豪車,有良好的人際交往機(jī)會(huì),一年四季都可以參加戶外活動(dòng)[和]體育運(yùn)動(dòng),還有一個(gè)像樣的機(jī)場(chǎng),冬天可以送你去滑雪場(chǎng),夏天可以去歐洲。有什么理由不喜歡呢?”
各州的排名依據(jù)的是2022年收入至少20萬(wàn)美元的26至35歲移居家庭的凈數(shù)量。
年輕人和富人遷居最多的4個(gè)州
1. 佛羅里達(dá)州
一直以來(lái),佛羅里達(dá)州都是退休人員的理想居住地——既有溫暖的氣候,又有稅收優(yōu)惠。但是,年輕人也在成群結(jié)隊(duì)地搬到那里。2022年,3870個(gè)年輕富裕家庭搬到佛羅里達(dá)州,當(dāng)年凈增1700多個(gè)家庭。這些家庭調(diào)整后的平均總收入超過(guò)52.6萬(wàn)美元,是2022年美國(guó)家庭收入中位數(shù)的7倍。
Douglas Elliman Real Estate的房地產(chǎn)經(jīng)紀(jì)人杰奎琳·比德(Jaclyn Bild)告訴《財(cái)富》雜志:“年輕富有的買家被佛羅里達(dá)州,尤其是南佛羅里達(dá)州吸引,這不足為奇,因?yàn)樵谶^(guò)去幾年里,這里已經(jīng)成為了豪華房地產(chǎn)、商業(yè)和文化的中心。佛羅里達(dá)州集高品質(zhì)生活、經(jīng)濟(jì)機(jī)會(huì)和優(yōu)惠的稅收結(jié)構(gòu)于一身,極具吸引力?!?/p>
此外,一些最成功的商界領(lǐng)袖已經(jīng)搬到了佛羅里達(dá)州,這可能會(huì)激勵(lì)有抱負(fù)的高管也這樣做。亞馬遜公司(Amazon)創(chuàng)始人兼前首席執(zhí)行官杰夫·貝索斯(Jeff Bezos)宣布,他將于2023年從西雅圖搬到邁阿密。這在當(dāng)時(shí)是令人驚訝的,直到我們了解到佛羅里達(dá)州對(duì)億萬(wàn)富翁友好的稅法將為他節(jié)省多少稅收。今年4月,貝索斯以9000萬(wàn)美元的價(jià)格在南佛羅里達(dá)州的印第安溪島(Indian Creek Island)購(gòu)買了他的第三座豪宅,該島也被稱為“億萬(wàn)富翁堡壘”(Billionaire Bunker)。邁阿密如今也被稱為“南方華爾街”,肯·格里芬(Ken Griffin)將堡壘搬到了這里,并建造了一座摩天大樓。
比德說(shuō):“這些高知名度的代言人讓邁阿密成為全球關(guān)注的焦點(diǎn),增加了富裕買家的興趣。還要牢記稅收優(yōu)惠。來(lái)自紐約或加州的高收入者發(fā)現(xiàn),僅僅通過(guò)改變郵政編碼,他們的銀行賬戶就添加好了?!?/p>
2. 得克薩斯州
富裕的Z世代和千禧一代也涌入孤星州。2022年,該州凈增1660個(gè)家庭,這也可能是由于該州不征收所得稅。
威爾遜說(shuō):“具體到得克薩斯州,很多年輕人和富人因?yàn)槎愂諆?yōu)惠而搬家。比起加利福尼亞這樣的州,他們的資金能維持更長(zhǎng)時(shí)間。得克薩斯州價(jià)值200萬(wàn)美元的住宅與加利福尼亞州價(jià)值500萬(wàn)美元的住宅不相上下?!?/p>
事實(shí)上,根據(jù)這項(xiàng)研究,加州在榜單上的排名相當(dāng)靠后,失去了3000多個(gè)年輕富裕家庭。在加州的住房危機(jī)中,房?jī)r(jià)繼續(xù)飆升。
但年輕人也被得克薩斯州大城市的生活方式所吸引。
威爾遜說(shuō):“奧斯汀和達(dá)拉斯是‘18小時(shí)城市’,千禧一代被更大的空間和更低的成本、社區(qū)感和就業(yè)機(jī)會(huì)所吸引。他們還被新興地區(qū)的投資潛力所吸引?!?/p>
3. 科羅拉多州
在SmartAsset的最年輕、最富有家庭移居地名單上,科羅拉多州排名第三,2022年凈增720戶家庭。
長(zhǎng)期以來(lái),科羅拉多州一直吸引著生活方式活躍的人們,他們被科羅拉多州的山脈和豐富多彩的戶外活動(dòng)所吸引。
最近,科羅拉多州部分地區(qū)的房屋掛牌量開始增加,表明房地產(chǎn)市場(chǎng)放緩,為購(gòu)房者和租房者提供了便利。
4. 北卡羅來(lái)納州
北卡羅來(lái)納州的年輕富裕家庭也有所增加。2022年,該州凈增了521戶家庭,這些家庭調(diào)整后的平均總收入為375057美元,是2022年美國(guó)家庭收入中位數(shù)的5倍。
根據(jù)北卡羅來(lái)納大學(xué)教堂山分校(University of North Carolina at Chapel Hill)的一項(xiàng)研究,北卡羅來(lái)納州的大部分移民來(lái)自佛羅里達(dá)州、紐約州、弗吉尼亞州、南卡羅來(lái)納州和加利福尼亞州。
雖然北卡羅來(lái)納州征收州所得稅,但吸引年輕人來(lái)此的原因還有其他。
西夏洛特U-Haul公司總裁凱·丘奇(Kay Church)在2023年的一份聲明中說(shuō):“是一個(gè)如此多元化的州人們正搬到北卡羅來(lái)納州,因?yàn)樗?。我們有山脈和海灘,有小城鎮(zhèn)和大城市。只要你能說(shuō)出名字,就能在北卡羅來(lái)納州找到?!保ㄘ?cái)富中文網(wǎng))
譯者:中慧言-王芳
As many Americans continue to struggle to find housing—whether due to high mortgage rates, high home prices and rents, or low inventory—some of the youngest and wealthiest homeowners and renters have made moves.
Affluent Gen Zers and millennials aged 26 to 35 relocate for better jobs and lifestyles, plus tax advantages that some states offer.
“They want to know how far their dollar will go,” Traci Wilson, a real estate agent with Engel & V?lkers in Austin, Texas, told Fortune. “With rising inflation around the world, every penny matters. Can they build a lifestyle that continues to grow their business and quality of life? Can they see raising a family and being able to provide a life that will set them up for success? These are the questions young wealthy people are asking themselves as they decide where to lay down roots.”
A handful of states have a clear advantage for young professionals. Financial advisory SmartAsset used IRS data to analyze and rank the states where the most young people earning at least $200,000 per year move. Unsurprisingly, two of the states ranking at the top of the list—Florida and Texas—are those that have no state income tax, enticing more young people to move there.
“Texas summers can be unbearable, but the lack of state tax offers, among other things, the opportunity to afford a nice, well-appointed house with a luxury car or two in the driveway, good networking opportunities, year-round access to outdoor activities [and] sports, and a decent airport to whisk you off to the ski slopes in winter or Europe in the summer,” John Walkup, co-founder of real estate data analytics company UrbanDigs, told Fortune. “What’s not to like?”
States are ranked based on the net number of households between the ages of 26 to 35 who moved that earned at least $200,000 in 2022.
The top 4 states where the young and rich are moving
1. Florida
Florida has long been a desirable location for retirees—both for its warm climate and tax breaks. But young people are moving there in droves, too. In 2022, 3,870 young and rich households moved to Florida, for a net gain of more than 1,700 households that year. The average adjusted gross income for these households was more than $526,000, seven times the median household income in the U.S. in 2022.
“It’s no surprise that young wealthy buyers are drawn to Florida, particularly South Florida, as it has become an epicenter of luxury real estate, business and culture over the past few years,” Jaclyn Bild, a real estate broker associate with Douglas Elliman Real Estate, told Fortune. “Florida offers an attractive combination of high quality of life, economic opportunities, and a favorable tax structure.”
Plus, some of the most successful business leaders have made their move to Florida, which could have inspired aspiring executives to do the same. Jeff Bezos, the founder and former CEO of Amazon announced his move from Seattle to Miami in 2023. It was surprising at the time—until we learned how much he’d be saving in taxes thanks to Florida’s billionaire-friendly tax code. In April, Bezos purchased his third mansion for $90 million on South Florida’s Indian Creek Island, also known as Billionaire Bunker. Miami is also now known as “Wall Street South,” with Ken Griffin moving Citadel there and building a skyscraper.
“These high-profile endorsements have put Miami on the global radar, increasing interest from wealthy buyers,” Bild said. “And let’s not forget the tax benefits. High-earners from New York or California are seeing their bank accounts grow just by changing their zip code.”
2. Texas
The Lone Star State has also seen a surge in wealthy Gen Zers and millennials moving there. In 2022, the state netted 1,660 households, also likely due to the lack of a state income tax.
“For Texas specifically, a lot of younger and rich people are moving because of the tax advantages,” Wilson said. “They see their dollar go a lot further than, let’s say, a state like California. A $2 million dollar home in Texas would be comparable to a $5 million home in California.”
Indeed, California actually ranked quite low on the list, losing more than 3,000 young and rich households, according to the study. California home prices continue to spike amid a housing crisis for the state.
But young people are also attracted to big cities in Texas for the lifestyle appeal.
“Austin and Dallas are ‘18-hour cities,’ which millennials are drawn to for more space and access to amenities for a lower cost, a sense of community, and employment opportunities,” Wilson said. “They are also drawn to up-and-coming areas for the enhanced investment potential.”
3. Colorado
Colorado ranked No. 3 on SmartAsset’s list of where the most young and rich households are moving, netting 720 households in 2022.
The state has long been a magnet for people with active lifestyles who are drawn to Colorado’s mountains and wide variety of outdoor activities.
More recently, home listings have started to increase in parts of Colorado, indicating a slowing real estate market that makes it easier for buyers and renters.
4. North Carolina
North Carolina has also seen gains in young and rich households. In 2022, the state netted 521 households that had an average adjusted gross income of $375,057, which is five times as much as the median household income in the U.S. in 2022.
A majority of migrants to North Carolina come from Florida, New York, Virginia, South Carolina, and California, according to a study by the University of North Carolina at Chapel Hill.
While North Carolina does have a state income tax, young people are attracted to the state for other reasons.
“People are moving to North Carolina because it’s such a diverse state,” Kay Church, U-Haul of West Charlotte president, said in a 2023 statement. “We have mountains and beaches, small towns and big cities. You name it, you can find it in North Carolina.”