Buying a Home is More Affordable Than Renting in 66% of US Counties

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According to ATTOM Data Solutions’ 2017 Rental Affordability Report, buying a home is more affordable than renting in 354 of the 540 U.S. counties they analyzed.

根據ATTOM數據解決方案的2017年租金支付能力報告,在他們分析調查的540個美國地區中,有354個地區購買房屋比租屋更便宜。

The report found that “making monthly house payments on a median-priced home — including mortgage, property taxes and insurance — is more affordable than the fair market rent on a three-bedroom property in 354 of the 540 counties analyzed in the report (66 percent).”

報告發現,“在540個縣中的354個縣(百分之66),支付一棟中等價位房屋的每月開銷 包括房屋貸款,房地產稅和保險 在比租一棟三個臥室的房屋來得便宜。”

For the report, ATTOM Data Solutions compared recently released fair market rent data from the Department of Housing and Urban Development with reported income amounts from the Department of Labor and Statistics to determine the percentage of income that a family would have to spend on their monthly housing cost (rent or mortgage payments).

對於該報告,ATTOM數據解決方案以最近由住房和城市發展部發表的的公平市場租金數據,以及勞動和統計部門報告的收入金額,來做出一個家庭必須在每月住屋支出的收入百分比成本統計(租金或房貸)。

Rents have been surging faster than home prices in about 37% of the markets measured. Daren Blomquist, Senior Vice President of ATTOM Data Solutions warns that rising interest rates could be the tipping point of affordability:

在37%的市場中,租金漲幅快於房價。ATTOM數據解決方案高級副總裁Daren Blomquist警告說,利率上升可能會對負擔能力影響更大:

“While buying continues to be more affordable than renting in the majority of U.S. markets, that equation could change quickly if mortgage rates keep rising in 2017. In that scenario, renters who have not yet made the leap to homeownership will find it even more difficult to make that leap this year.”

“雖然買屋比租屋更便宜,但如果貸款利率在2017年持續上升,那麼這個方程式可能會迅速變化。在這種情況下,尚未購屋的租屋者可能會更加困難購屋。”

Bottom Line
結論

Rents will continue to rise and mortgage interest rates are still at historic lows. Before you sign or renew your next lease, meet with a local professional who can help you determine if you are able to buy a home of your own and lock in your monthly housing expense.

租金將繼續上漲,貸款利率仍處於歷史低位,在你簽訂或續訂下一次租屋契約之前,請諮詢當地房仲,他們可以幫助你確認是否能夠購買自己的房屋,並鎖定你的每月房屋開銷。

 

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