三季度78%的都会区房价还在涨：全美独栋现房中位价43.29万美元，西部是唯一降价的地区
全美房地产经纪人协会（NAR）10月29日发布的季度报告说，2026年第三季度，全美约235个都会区里78%的房价比去年同期上涨，比例略低于二季度的80%；录得两位数涨幅的都会区占4%。全国独栋现房的中位价同比涨1.7%，到43.29万美元，涨幅与二季度修正后的水平持平。
分地区看，南辕北辙：东北部中位价56.15万美元，同比涨4.0%，涨幅最大；中西部34.25万美元，涨3.6%；南部37.49万美元，涨1.0%；西部62.90万美元，仍是全国最贵，但同比降了0.6%，是唯一降价的地区。最贵的都会区仍在加州：San Jose 一带中位价192万美元居首，Anaheim、Santa Ana 和 Irvine 一带147万美元第二，旧金山一带135.09万美元第三，前十名里加州占了八席。涨幅最大的都会区是密西西比州的 Gulfport 一带，同比涨11.0%。
负担能力这一头还在收紧。以两成首付买一套典型独栋现房，每月房贷还款2,251美元，比上季度多48美元、比去年多69美元，典型家庭要拿出收入的24.1%来付房贷；首次购房者买一套36.8万美元的入门房、一成首付，月供2,208美元，占收入的36.3%。
NAR 首席经济学家 Lawrence Yun 说，尽管负担能力让市场交易停滞，房价在全国大部分地区仍在创纪录，过去七年平均每套房升值14.6万美元；他还提到，过去一年跌价的佛罗里达州，本季度几乎所有都会区都回到了涨价行列，而中西部不少市场因为价格相对可负担，更容易实现置业。（来源：全美房地产经纪人协会）
Home Prices Rose in 78 Percent of Metro Areas in the Third Quarter: The National Median Hit $432,900, and the West Was the Only Region to Fall
Home prices rose in 78 percent of the roughly 235 metro markets tracked by the National Association of Realtors (NAR) in the third quarter of 2026, down slightly from 80 percent in the second quarter, the association reported on October 29. Four percent of metro areas recorded double-digit price gains. The national median single-family existing-home price rose 1.7 percent from a year earlier to $432,900, matching the revised annual growth rate of the second quarter.
The regions moved in different directions. The Northeast posted the highest median at $561,500, up 4.0 percent; the Midwest came in at $342,500, up 3.6 percent; the South reached $374,900, up 1.0 percent; and the West, still the most expensive region at $629,000, was the only one to fall, down 0.6 percent from a year earlier. The most expensive metro market was San Jose-Sunnyvale-Santa Clara, California, at $1,920,000, followed by Anaheim-Santa Ana-Irvine at $1,470,000 and San Francisco-Oakland-Hayward at $1,350,900, with California metros taking eight of the ten most expensive spots. The largest gain was in Gulfport-Biloxi-Pascagoula, Mississippi, up 11.0 percent.
Affordability kept tightening. The monthly mortgage payment on a typical existing single-family home with 20 percent down was $2,251, up $48 from the previous quarter and $69 from a year earlier, and typical families spent 24.1 percent of their income on mortgage payments. A first-time buyer purchasing a typical starter home valued at $368,000 with 10 percent down faced a monthly payment of $2,208, or 36.3 percent of income.
NAR Chief Economist Lawrence Yun said that even with affordability challenges causing the housing market to stagnate, home prices continue to set record highs in most parts of the country, and that over the past seven years the average house has appreciated by $146,000. He noted that Florida markets, many of which declined over the past year, showed price gains in nearly all of the state's metros this quarter, and that many Midwest markets offer more attainable homeownership. (Source: National Association of Realtors)
来源：全美房地产经纪人协会
发布：GSM·美国（发布链接）
图片来源：Wikimedia Commons 摄影，CC BY-SA 2.0：美国郊区独栋住宅社区航拍
GSM Global · 本篇英文版 English edition of this story
