Understanding 住房负担能力 in Today’s Market
正在进行的 住房负担能力危机 across the country is having a significant impact on how a large portion of Americans are living, 为他们的未来做预算和计划.
全国范围内 短缺约1个.500万套住房, home prices and rent have both increased — up 26% and 47%, 分别, since 2020 — according to the latest Harvard University Joint Center for Housing Studies’ (JCHS) 《十大正规彩票平台》.
的 Economic Indicators Influencing 住房负担能力
A number of economic indicators reveal a severely unaffordable housing market.
NAHB的最近 公布住房成本指数 showed that 38% of a typical family’s income is needed to make a mortgage payment on a median-priced new single-family home in the United States.
Low-income families (earning only 50% of the median income) have to spend well more than half of their income (77%) to pay for the same home.
的 same struggles ring true for those purchasing existing homes — the median prices for which hit an 上个月创历史新高. A typical family has to pay 36% of their income for a median-priced existing home while a low-income family needs to pay 71% of their earnings to make the same mortgage payment.
另一项指标显示为103.500万美元.S. households’ income isn’t sufficient to afford a median-priced new home ($495,750) because they aren’t able to qualify for the required mortgage underwriting criteria, 根据NAHB对住房的关注.
的 lack of housing availability across the United States is also problematic. While new single-family home inventory in May is up 12.9% from a year prior, combined inventory for new and existing single-family homes is at just a 4.4个月的供应量; 根据NAHB的估计，略高于4月份的4.1和3.2023年5月6日.
High interest rates are causing fewer home owners to put their homes on the market. Because home owners are locked into lower interest rates, they’d face a sharp increase in costs should they purchase a new home with mortgage rates so high.
住房可达性的地区差异
Homeownership costs are skyrocketing in some of the nation’s most coveted cities, 如CHI中所强调的. 的 指数 examined housing in 176 metro areas and found eight markets that were considered "severely cost-burdened," meaning over half of a typical family’s income is needed to pay for a mortgage on a median-priced existing home. Eighty other markets were considered "cost-burdened," needing to spend between 31% and 50% of their incomes on housing.
从地区的角度来看, families in metro areas in the central United States are paying for lower home prices on housing units relative to income than those along the coasts or in the southern and western parts of the country. 成本负担最重的五大城市之一, 圣何塞-森尼维尔-圣克拉拉, 圣地亚哥-丘拉-卡尔斯巴德, and San Francisco-Oakland-Berkeley) were in California. Naples-Marco Island in Florida and Urban Honolulu in Hawaii rounded out the list.
With the exception of metro areas surrounding Chicago and Milwaukee, 像伊利诺斯州这样的中西部州, 爱荷华州, Michigan and Ohio feature the least cost-burdened housing markets.
飞涨的房价也伤害了租房者. Half of all renter households were cost-burdened in 2022这是有记录以来的最高数字.
Impact of Government Policies on Affordable Housing Costs
的 lack of affordable homes and dwindling housing stock are deterring would-be home buyers from settling down.
Nearly four out of five Americans agree that the country is in the midst of a 住房负担能力危机 and that government officials aren’t doing enough to address the unrelenting crisis in housing, according to a survey conducted by the polling firm Morning Consult.
Many problems stem from regulations at the government level that hinder the production of housing. Regulations account for nearly 25% of the cost of a single-family home and more than 40% of a typical apartment development.
Additional problems include the high cost of building materials (up 38% since the pandemic), 熟练工人的长期短缺, the struggle to pass federal tax legislation to decrease the cost of home building, and the soaring cost of local impact fees and other upfront taxes.
NAHB’s 10-Point Plan to Address the 住房负担能力 Crisis
With the 住房负担能力危机 forcing families to spend such a large percentage of their income on a place to live, NAHB已经 制定了10点住房计划 to remove barriers that slow down the construction of new homes at the local and national level.
- 取消过多的规定.
- 促进技术行业的职业发展.
- 修复建筑材料供应链，降低成本.
- Pass federal tax legislation to expand the production of affordable and attainable housing.
- 推翻效率低下的地方分区规则.
- 减轻审批障碍.
- Adopt reasonable and cost-effective building codes.
- Reduce local impact fees and other upfront taxes associated with housing construction.
- Make it easier for developers to finance new housing.
- Update employment policies to promote flexibility and opportunity.
阅读更多 NAHB降低住房成本的计划.