姗姗来迟的阶梯：首次购房者年龄增长

姗姗来迟的阶梯：首次购房者年龄增长
Late To The Ladder: The Rise In First-Time Home Buyers' Age

原始链接: https://www.zerohedge.com/personal-finance/late-ladder-rise-first-time-home-buyers-age

## 首次购房者年龄增长美国首次购房者的平均年龄在稳步上升。虽然2010年的中间年龄为30岁——与1981年的数据一致——但到2024年已攀升至创纪录的38岁。与此同时，首次购房者在市场中的比例从32%下降到24%。这种转变是由严重的负担能力问题驱动的。房价上涨、抵押贷款利率高企以及库存有限使得购房变得更加困难。房价收入比也恶化了，许多潜在购房者背负着学生贷款、租金和其他费用的债务负担，阻碍了他们为首付储蓄的能力。因此，如今的首次购房者年龄更大且经济状况更稳定，平均收入约为97,000美元——比2022年大幅增加。许多人依靠储蓄、贷款或来自家人的赠款来支付平均9%的首付。

Buying a home for the first time is a milestone many associate with adulthood. But for today’s first-time home buyers, that goal keeps slipping further into the future.

This Markets in a Minute graphic, created by Visual Capitalist's Jenna Ross, in partnership with Terzo, shows how the age at which people in the U.S. buy their first home has been climbing over time.

Later to the Property Ladder

Using data from the National Association of Realtors (NAR), we explore how the median age of first-time home buyers has changed from 2010 to 2024.

In 2010, the median age was 30, little changed from NAR’s first records of age 29 in 1981. However, the last 15 years have seen quite a shift.

Source: National Association of Realtors

By 2024, people buying homes are much older, hitting a record of 38. The share of first-time home buyers on the market also dropped from 32% to 24%.

Challenges for First-Time Home Buyers

Many are arriving late to the property ladder—and for good reason. The first few rungs have become harder to reach, or in some cases, feel entirely broken.

High home prices and elevated mortgage rates have made homes much less affordable, especially with limited housing inventory. Incomes also haven’t been keeping up with rising home costs, with the price-to-income ratio climbing from 3.5 in 1985 to 5.0 in 2025.

On top of this, many say high rent, student loans, credit card debt, and car loans are hurdles to saving for a down payment.

A New Financial Profile for Beginner Homeowners

Today’s first-time home buyers are climbing a ladder with steeper steps and fewer footholds. As a result, they tend to be older and wealthier before taking the first step.

The typical first-time buyer now earns around $97,000 annually, a jump of $26,000 since 2022. In some states, the income needed to buy a home is much higher—as high as $229,000 in Hawaii.

When it comes to a down payment, people buying homes for the first time put down 9% on average. While the bulk use savings for down payments, a quarter of newbie buyers used loans or gifts from friends and family.