2024 美国哪个大城市的房贷最容易还清？

省钱君 7424 浏览 2024-10-03 发布

在美国生活，通常都是通过贷款买房子，而成功买房后，可能要花费30年的时间来偿还房贷。而在这期间，个人的财务状况可能会因为工作、家庭或其他经济波动而变化。

SmartAsset对全美40个最大的大都会区进行了排名，评估在哪些地方最容易偿还房贷。分析基于2023年的抵押贷款数据，计算了各地30年期固定利率抵押贷款的中位数本金和利息支付，然后再与这些新房主的中位收入进行比较。

美国哪儿的房贷最容易还清？

划重点：

匹兹堡是最容易偿还房贷的城市。在匹兹堡，新房主的中位收入为$101,000，使得每月$1,377的本金和利息偿还最为轻松。月供仅占家庭总收入的16.4%。这基于$265,000的中位房产价值、78.2的贷款价值比（LTV）和6.99%的中位利率计算得出。
加州大都会区的房贷最难还清。最难还清抵押贷款的五个地方都位于加州：其中圣何塞垫底，月供$6,588占家庭总收入（$271,000）的29.2%；紧跟着是圣地亚哥（28.6%）、洛杉矶（28.4%）、旧金山（27.2%）和河滨市（26.9%），这些地区的房贷偿还难度都相对较高。
Virginia Beach的抵押贷款利率最高。VB大都会区的新常规抵押贷款中位利率为 7.38%，这意味着每月还款金额达到$1,950，而家庭收入为$109,000。VB总体排名第23位，房贷支出占家庭总收入的21.5%。
德州奥斯汀的新购房者利率最低。奥斯汀大都会区的传统抵押贷款的中位利率为6.5%。虽然当地新房主的中位收入较高（$160,000），但房价也相对较高（$505,000）。奥斯汀总体排名第10位，房贷支出占家庭总收入的19.1%。

美国最容易还清房贷的大城市排名
排名	都会区	月供占收入%	中位年收入	中位房价
1	Pittsburgh, PA	16.4%	$101,000	$265,000
2	Houston-The Woodlands-Sugar Land, TX	17.09%	$133,000	$365,000
3	Detroit-Warren-Dearborn, MI	17.54%	$84,000	$225,000
4	Cleveland-Elyria, OH	17.60%	$96,000	$265,000
5	San Antonio-New Braunfels, TX	17.67%	$117,000	$345,000
6	St. Louis, MO-IL	17.94%	$105,000	$295,000
7	Milwaukee-Waukesha, WI	17.98%	$112,000	$345,000
8	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	18.47%	$102,000	$315,000
9	Cincinnati, OH-KY-IN	18.73%	$104,000	$305,000
10	Austin-Round Rock-Georgetown, TX	19.12%	$160,000	$505,000
11	Kansas City, MO-KS	19.26%	$113,000	$345,000
12	Chicago-Naperville-Elgin, IL-IN-WI	19.53%	$116,000	$355,000
13	Dallas-Fort Worth-Arlington, TX	19.98%	$148,000	$475,000
14	Indianapolis-Carmel-Anderson, IN	20.07%	$103,000	$325,000
15	Columbus, OH	20.45%	$112,000	$355,000
16	Raleigh-Cary, NC	20.71%	$134,000	$465,000
17	Jacksonville, FL	20.89%	$116,000	$405,000
18	Minneapolis-St. Paul-Bloomington, MN-WI	20.99%	$117,000	$385,000
19	Baltimore-Columbia-Towson, MD	21.02%	$129,000	$425,000
20	Tampa-St. Petersburg-Clearwater, FL	21.06%	$118,000	$415,000
21	Charlotte-Concord-Gastonia, NC-SC	21.32%	$121,000	$425,000
22	Atlanta-Sandy Springs-Alpharetta, GA	21.39%	$123,000	$435,000
23	Virginia Beach-Norfolk-Newport News, VA-NC	21.47%	$109,000	$365,000
24	Orlando-Kissimmee-Sanford, FL	21.84%	$122,000	$445,000
25	Providence-Warwick, RI-MA	22.77%	$117,000	$465,000
26	Nashville-Davidson--Murfreesboro--Franklin, TN	23.42%	$124,000	$485,000
27	Phoenix-Mesa-Chandler, AZ	23.99%	$122,000	$495,000
28	Boston-Cambridge-Newton, MA-NH	24.64%	$161,000	$695,000
29	New York-Newark-Jersey City, NY-NJ-PA	24.89%	$172,000	$755,000
30	Washington-Arlington-Alexandria, DC-VA-MD-WV	24.97%	$154,000	$605,000
31	Las Vegas-Henderson-Paradise, NV	25.05%	$113,000	$455,000
32	Sacramento-Roseville-Folsom, CA	25.13%	$144,000	$605,000
33	Seattle-Tacoma-Bellevue, WA	25.74%	$178,000	$815,000
34	Denver-Aurora-Lakewood, CO	25.75%	$143,000	$615,000
35	Portland-Vancouver-Hillsboro, OR-WA	25.96%	$136,000	$575,000
36	Riverside-San Bernardino-Ontario, CA	26.93%	$135,000	$605,000
37	San Francisco-Oakland-Berkeley, CA	27.24%	$282,000	$1,505,000
38	Los Angeles-Long Beach-Anaheim, CA	28.42%	$177,000	$905,000
39	San Diego-Chula Vista-Carlsbad, CA	28.56%	$180,000	$905,000
40	San Jose-Sunnyvale-Santa Clara, CA	29.17%	$271,000	$1,475,000