加州住房負擔能力跌至16年來最低點
Courtesy of Pixabay
根據加州房地產協會最新發布的數據，2023年第二季度加州的住房可負擔性達到16年來的最低點。而低住房可負擔性與利率持續停留在6%以上，以及房屋價格因庫存不足而持續飆升的情況密切相關。
數據顯示，在加州只有不到五分之一的人，確切地說是16%的人，能夠負擔得起一間中位價格的獨立屋。此外第二季度的數據較2023年第一季度的19%有所下降。
如果我們拿2012年第一季度來做比較，在那個時候，能夠購買加州中位價格獨立屋的購房者比例高達56%，可見當時的住房市場情況與現在相比有明顯不同。
同樣令人驚訝的是，加州房地產協會的數據顯示，加州購房者需要最低收入208,000美元，才有能力購買中位價格約830,000美元的房屋。
另外，如果購房者有資格獲得按揭貸款，並且符合20%的標準首付要求，以及約6.6%的利率，則可以預計每月的房貸支付大約為5,200美元。
Courtesy of Pixabay
值得注意的是，Siskiyou County、Plumas County、Shasta County、Tehama County 是加州五個最負擔得起的縣市。而加州最不負擔得起的縣市和以往相似。Mono County，即 Mammoth Lakes 的所在地，是加州最不負擔得起的縣市，只有5%的居民有能力購買房屋。Santa Barbara County 為10%，San Luis Obispo County 為11%，Monterey County 和 Orange County 同樣為12%，並且都排在加州房屋最負擔不起的縣市排名第五位。
Los Angeles County 的住房可負擔性指數為15%，San Bernardino County 則是南加州中所有縣市中最負擔得起的縣市，其可負擔性評分為30%。
以下是加州房地產協會提供的加州住房可負擔性指數的完整排名：
| 縣市 / County | 2023第二季度 | 2023第一季度 | 2022第二季度 | 房價中位數 | 每月貸款（包含稅和保險） | 需要的最低收入 | ||
| Calif. Single-family homes | 16 | 19 | 17 | $830,620 | $5,200 | $208,000 | ||
| Calif. Condo/Townhomes | 25 | 26 | 25 | $640,000 | $4,010 | $160,400 | ||
| Los Angeles Metro Area | 17 | 19 | 17 | $760,000 | $4,760 | $190,400 | ||
| Inland Empire | 22 | 24 | 24 | $570,000 | $3,570 | $142,800 | ||
| San Francisco Bay Area | 19 | 21 | 18 | $1,300,000 | $8,150 | $326,000 | ||
| United States | 36 | 40 | 38 | $402,600 | $2,520 | $100,800 | ||
| San Francisco Bay Area | ||||||||
| Alameda | 16 | 18 | 15 | $1,275,000 | $7,990 | $319,600 | ||
| Contra Costa | 23 | 29 | 23 | $900,000 | $5,640 | $225,600 | ||
| Marin | 16 | 20 | 17 | $1,770,000 | $11,090 | $443,600 | ||
| Napa | 19 | 20 | 16 | $855,000 | $5,360 | $214,400 | ||
| San Francisco | 20 | 21 | 17 | $1,611,000 | $10,090 | $403,600 | ||
| San Mateo | 17 | 19 | 15 | $2,012,500 | $12,610 | $504,400 | ||
| Santa Clara | 18 | 21 | 18 | $1,800,000 | $11,280 | $451,200 | ||
| Solano | 26 | 28 | 28 | $592,750 | $3,710 | $148,400 | ||
| Sonoma | 16 | 18 | 17 | $850,000 | $5,330 | $213,200 | ||
| Southern California | ||||||||
| Los Angeles | 15 | 17 | 16 | $789,400 | $4,950 | $198,000 | ||
| Orange | 12 | 12 | 12 | $1,250,000 | $7,830 | $313,200 | ||
| Riverside | 20 | 22 | 21 | $625,000 | $3,920 | $156,800 | ||
| San Bernardino | 30 | 30 | 30 | $456,500 | $2,860 | $114,400 | ||
| San Diego | 13 | 15 | 14 | $942,350 | $5,900 | $236,000 | ||
| Ventura | 14 | 17 | 15 | $915,000 | $5,730 | $229,200 | ||
| Central Coast | ||||||||
| Monterey | 12 | 12 | 13 | $865,370 | $5,420 | $216,800 | ||
| San Luis Obispo | 11 | 12 | 12 | $880,000 | $5,510 | $220,400 | ||
| Santa Barbara | 10 | 15 | 10 | $1,195,000 | $7,490 | $299,600 | ||
| Santa Cruz | 13 | 14 | 13 | $1,270,000 | $7,960 | $318,400 | ||
| Central Valley | ||||||||
| Fresno | 29 | 32 | 31 | $420,000 | $2,630 | $105,200 | ||
| Glenn | 32 | 32 | 36 | $349,000 | $2,190 | $87,600 | ||
| Kern | 31 | 33 | 32 | $380,000 | $2,380 | $95,200 | ||
| Kings | 32 | 33 | 39 | $361,000 | $2,260 | $90,400 | ||
| Madera | 31 | 34 | 32 | $423,000 | $2,650 | $106,000 | ||
| Merced | 31 | 32 | 34 | $390,000 | $2,440 | $97,600 | ||
| Placer | 29 | 31 | r | 27 | $667,000 | $4,180 | $167,200 | |
| Sacramento | 26 | 29 | 27 | $530,000 | $3,320 | $132,800 | ||
| San Benito | 19 | 23 | 17 | $755,140 | $4,730 | $189,200 | ||
| San Joaquin | 26 | 27 | 25 | r | $530,000 | $3,320 | $132,800 | |
| Stanislaus | 27 | 30 | 28 | $460,000 | $2,880 | $115,200 | ||
| Tulare | 33 | 37 | 34 | $370,000 | $2,320 | $92,800 | ||
| Far North | ||||||||
| Butte | 29 | 32 | 28 | $434,950 | $2,730 | $109,200 | ||
| Lassen | 52 | 53 | 54 | $249,000 | $1,560 | $62,400 | ||
| Plumas | 38 | 42 | 32 | $356,000 | $2,230 | $89,200 | ||
| Shasta | 35 | 39 | 36 | $389,000 | $2,440 | $97,600 | ||
| Siskiyou | 39 | 41 | 30 | $279,500 | $1,750 | $70,000 | ||
| Tehama | 35 | 40 | 33 | $350,000 | $2,190 | $87,600 | ||
| Other Calif. Counties | ||||||||
| Amador | 28 | 33 | 32 | $461,890 | $2,890 | $115,600 | ||
| Calaveras | 27 | 32 | 29 | $490,000 | $3,070 | $122,800 | ||
| Del Norte | 30 | 32 | 31 | $365,000 | $2,290 | $91,600 | ||
| El Dorado | 23 | 28 | 24 | $699,000 | $4,380 | $175,200 | ||
| Humboldt | 25 | 26 | 24 | $438,000 | $2,740 | $109,600 | ||
| Lake | 28 | 31 | 33 | $357,000 | $2,240 | $89,600 | ||
| Mariposa | 24 | 25 | 22 | $390,000 | $2,440 | $97,600 | ||
| Mendocino | 17 | 26 | 15 | $520,000 | $3,260 | $130,400 | ||
| Mono | 5 | 7 | 6 | $980,000 | $6,140 | $245,600 | ||
| Nevada | 25 | 29 | 25 | $557,500 | $3,490 | $139,600 | ||
| Sutter | 33 | 36 | 31 | $425,000 | $2,660 | $106,400 | ||
| Tuolumne | 32 | 36 | 33 | $418,300 | $2,620 | $104,800 | ||
| Yolo | 23 | 28 | 23 | $625,000 | $3,920 | $156,800 | ||
| Yuba | 26 | 28 | 28 | r | $444,950 | $2,790 | $111,600 |
資訊來源：KTLA 5 編譯：TR
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