Realtor.com 11 月 11 日锁定效应报告：典型按揭户换房月供将由 1332 美元升至 2468 美元、涨 85.3%
房地产平台 Realtor.com 于 2026 年 11 月 11 日发布锁定效应报告，称典型按揭持有人换房的月供成本将大幅上升。
报告称，典型按揭持有人目前以约 4.0% 的利率每月支付本息 1332 美元；若按 7.32% 的利率购买中位价住房，月供估计为 2468 美元，上涨 85.3%，即每月约多付 1100 美元。
报告测算所用的中位价住房为 2026 年 9 月的 419250 美元，首付比例为 14.3%。报告称，利率需降至约 6.0%，才有一半美国家庭能负担中位价住房，而即便如此，典型月供仍比现按揭户所付高 61.7%。
分城市看，缅因州波特兰的换房月供涨幅为全国最高，达 167.0%，圣何塞为 164.8%，洛杉矶为 161.9%，匹兹堡最小，为 43.3%。报告引联邦住房金融局数据称，仅 22.5% 的未偿按揭利率在 6% 或以上。
Realtor.com November 11 Locked In Report: Typical Mortgage Payment Would Jump 85.3 Percent From 1332 to 2468 Dollars
Realtor.com released a locked in report on November 11, 2026, putting a monthly figure on the cost of moving for current mortgage holders.
The report said the typical mortgage holder pays 1332 dollars a month in principal and interest at a rate of about 4.0 percent, while buying the median priced home at 7.32 percent would cost an estimated 2468 dollars a month, an 85.3 percent increase of about 1100 dollars.
The estimate used the September 2026 median priced home of 419250 dollars with a typical down payment of 14.3 percent. The report said rates would need to fall to about 6.0 percent for half of United States households to afford the median priced home, and even then the typical payment would still run 61.7 percent higher than what current mortgage holders pay.
By metro area, Portland, Maine, faced the steepest jump at 167.0 percent, ahead of San Jose at 164.8 percent and Los Angeles at 161.9 percent, while Pittsburgh had the smallest gap at 43.3 percent. The report cited Federal Housing Finance Agency data that just 22.5 percent of outstanding mortgages carry a rate of 6 percent or higher.
发布：GSM·美国（发布链接）
图片来源：图：图中是加利福尼亚州的公寓楼（通用图）。FASTILY，CC BY-SA 3.0，经Wikimedia Commons。 / Photo: file photo. FASTILY, CC BY-SA 3.0, via Wikimedia Commons.
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