加州房协三季度报告：仅19%家庭买得起中位价住宅、合格年收入需22.8万美元
加州房地产经纪人协会（C.A.R.）10 月 30 日发布第三季度传统住房可负担指数：全州仅 19% 的家庭有能力购买中位价的现房独户住宅，与今年第二季度及去年同期持平，继续处于历史低位附近。
第三季度全州现房独户住宅中位价为 894,630 美元。按协会测算，购买这样一处住宅所需的最低合格年收入为 228,000 美元，对应每月还款 5,700 美元（包含本金、利息、税费与保险），与上一季度持平、比去年同期多 4,400 美元。买一套典型加州住宅所需的年收入，已在过去 16 个季度中有 15 个季度超过 20 万美元；加州的月供水平仍为全国平均 2,760 美元的两倍多。
协会指出，房价回落本可改善负担能力，但贷款利率连续第二个季度上升抵消了这一作用：第三季度 30 年期固定抵押贷款有效利率升至 6.80%，高于第二季度的 6.54% 与去年同期的 6.67%，为 2025 年第二季度以来的最高水平。协会同时表示，通胀短期内可能维持高位，未来几个月抵押贷款利率难有明显回落，购房者的购买力将继续承压。
公寓与联排住宅相对容易负担：中位价 640,000 美元，全州 31% 的家庭买得起，较上一季度与去年同期的 30% 略有上升。在协会追踪的 53 个县中，24 个县的可负担指数环比改善、21 个县下降；Lassen 县以 61% 的家庭买得起中位价住宅居全州之首，其次是 Trinity 的 43% 与 Tuolumne 的 42%。
南加州各县的门槛差异悬殊。位于加州河滨县的中位价住宅为 632,990 美元，购房家庭年收入需达到 161,200 美元、每月还款 4,030 美元。洛杉矶都会区的中位价为 847,030 美元，对应月供 5,390 美元、最低年收入 215,600 美元。圣迭戈县的中位价高达 107 万美元，家庭年收入需 274,000 美元、每月还款 6,850 美元。
California Housing Affordability Holds at 19% in Third Quarter: $228,000 Income Needed for Median-Priced Home, C.A.R. Reports
Nineteen percent of California households could afford to buy the state's median-priced existing single-family home in the third quarter of 2026, unchanged from both the second quarter and a year ago and still near historic lows, the California Association of Realtors (C.A.R.) reported on October 30 in its Traditional Housing Affordability Index.
The statewide median price was $894,630 in the third quarter. Buying such a home required a minimum annual income of $228,000, for monthly payments of $5,700 including principal, interest, taxes and insurance — flat from the previous quarter and $4,400 more than a year earlier. The income needed for a typical California home has now exceeded $200,000 in 15 of the past 16 quarters, and California's monthly payment remains more than twice the national average of $2,760.
Lower home prices were offset by mortgage rates rising for a second straight quarter: the effective 30-year fixed rate climbed to 6.80 percent in the third quarter, up from 6.54 percent in the second quarter and 6.67 percent a year earlier, its highest level since the second quarter of 2025. With inflation likely to remain high in the near term, the association said, mortgage rates may not moderate much over the next couple of months, continuing to challenge buyers' purchasing power.
Condos and townhomes were somewhat more attainable: at a median price of $640,000, 31 percent of households could afford one, up from 30 percent in both the previous quarter and a year ago. Of the 53 counties tracked, 24 posted quarter-to-quarter improvements in affordability and 21 declined; Lassen remained the most affordable county at 61 percent, followed by Trinity at 43 percent and Tuolumne at 42 percent.
Thresholds varied widely across Southern California. In Riverside County, California, the median-priced home cost $632,990, requiring an annual income of $161,200 and monthly payments of $4,030. In the Los Angeles metro area the median was $847,030, with payments of $5,390 and a minimum income of $215,600. In San Diego County the median reached $1.07 million, requiring an income of $274,000 and monthly payments of $6,850.
来源：GSM·美国（原文链接）
图片来源：加州河滨县Temecula与Murrieta一带住宅区航拍，John Murphy摄，CC BY-SA 2.0，经Wikimedia Commons（资料图）
