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Middle-income buyers face the most severe housing shortage
美國中等收入階層購房難：合適房源供應極為短缺
Middle income home buyers in the United States are finding little on the market to buy, even if they can qualify and afford a mortgage. These would-be buyers face the most severe housing shortage of any other income bracket, according to a new analysis from the National Association of Realtors and Realtor.com that found the market is short more than 300,000 affordable homes for these buyers.
美國中等收入購房者即使有資格貸款又能支付得起按揭，在市場上也找不到買得起的房。美國全國房地產經紀人協會及其官網Realtor.com的最新分析表明，中等收入購房者面臨著比其他收入階層更嚴重的房源短缺問題，合適房源的缺口超過了30萬套。
The report defined a middle-income home buyer as someone in a household earning up to $75,000 a year, the median household income in the United States. Given that income, these buyers can purchase homes valued up to $256,000 without being overburdened with housing costs.
這一報告將中等收入購房者定義為家庭年收入達到美國中位數水平7.5萬美元的人。這個收入階層的人可以買得起最高價為25.6萬美元的房屋，同時不會負擔過重。
And there are a lot fewer homes in this category than a few years ago.
但是這一價位的房子相比幾年前少了很多。
Middle-income buyers can afford to buy less than a quarter — only 23% — of listings that are currently on the market. Five years ago, this income group could afford to buy half of all available homes, according to the report.
報告稱，目前市場上只有不到四分之一（23%）的房子是中等收入者買得起的。五年前，市場上半數的房子都是他們買得起的。
"Middle-income buyers face the largest shortage of homes among all income groups, making it even harder for them to build wealth through homeownership,” said Nadia Evangelou, NAR senior economist and director of real estate research.
美國全國房地產經紀人協會的高級經濟學家、房地產研究主管納迪亞·埃萬耶盧說：“中等收入購房者面臨著比其他所有收入階層都更大的房源缺口，這讓他們更難以通過擁有住房來積累財富。”
At the end of April 2023, approximately 1.1 million homes were available for sale, an increase of 5 percentage points from one year ago — but only a fraction of those are available to middle-income buyers.
截至2023年4月底，市場在售的房屋約達110萬套，相比一年前增加了5%，但只有很小一部分是中等收入者買得起的。
"Ongoing high housing costs and the scarcity of available homes continues to present budget challenges for many prospective buyers, and it’s likely keeping some buyers in the rental market or on the sidelines and delaying their purchase until conditions improve,” said Danielle Hale, Realtor.com’s chief economist.
Realtor.com的首席經濟學家丹妮爾·海爾稱：“當前的高房價和合適房源的稀缺繼續挑戰著許多潛在買家的預算，這可能會導致一些人被迫租房或觀望，推遲購房直至條件改善。”
"Those who are able to overcome affordability constraints may be increasingly drawn to newly constructed homes or to the suburbs and beyond, both of which may offer buyers more realistic opportunities for homeownership in the near term,” she said.
她說：“那些能夠克服經濟難題的購房者可能越來越多地會選擇購買新建的房屋或到郊區甚至更遠的地方買房，這些選擇可能會讓購房者有機會在短期內擁有住房。”
英文來源：美國有線電視新聞網
翻譯&編輯：丹妮
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