Redfin 代际住房报告：年长千禧一代30岁时住房支出占收入约27%，低于婴儿潮一代同龄时的36%
Redfin 11月12日发布的代际住房报告显示，在年满30岁时，年长千禧一代用于住房的支出约占收入的27%，低于婴儿潮一代同龄时的36%。报告以 Redfin 与美国人口普查数据为基础，金额均经通胀调整。
报告指出，疫情改变了这一对比：疫情购房热期间全美房价上涨约40%，抵押贷款利率随后从2021年末的约3%升至2022年末的近7%。自2022年利率升破6%以来，年长千禧一代的月供占收入比最高升至约35%，而婴儿潮一代同龄时约为25%，尽管千禧一代经通胀调整后的收入更高。
报告数据还引用了 Ipsos 于2026年5月为 Redfin 所做的调查，受访者为4000名美国居民。
Redfin Generational Report: Elder Millennials Spent About 27 Percent of Income on Housing at Age 30, Versus 36 Percent for Baby Boomers
A Redfin report published November 12 found that elder millennials spent about 27 percent of their income on housing at age 30, compared with 36 percent for baby boomers at the same age. The analysis is based on Redfin and U.S. Census data, with all dollar figures adjusted for inflation.
The report said the pandemic changed the math. Home prices surged about 40 percent nationwide during the pandemic buying frenzy, and mortgage rates jumped from around 3 percent in late 2021 to nearly 7 percent in late 2022. Since rates rose above 6 percent in 2022, elder millennials have spent up to 35 percent of their income on monthly mortgage payments, compared with roughly 25 percent for boomers at the same age, even though millennials earn more after inflation.
The report also draws on a survey conducted by Ipsos for Redfin in May 2026, fielded to 4,000 U.S. residents.
来源：Redfin
发布：GSM·美国（发布链接）
图片来源：图：宾夕法尼亚州 Levittown 的郊区住宅区历史航拍；Levittown 是婴儿潮一代大规模郊区住房的代表。来源：Wikimedia Commons，Public domain。 / Photo: Historic aerial view of the Levittown suburban development in Pennsylvania, an emblem of baby-boom-era mass suburban housing. Source: Wikimedia Commons, Public domain.
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