灣區購房 收入須13.7萬

難怪我買不起房  



灣區生活成本全國最高眾所周知，但到底收入要多高才能住得起灣區？房貸追蹤網站HSH.com統計，要在舊金山購買中間價位的房產，最低年收入須13萬7129元，較全國必須收入最低的五個都會區域高出四倍。

購房必須收入全國最低的都會區為克利夫蘭，2萬9000元年收入便有能力負擔中間價位房產。其次為匹茲堡（3萬元）、聖路易與辛辛那提（3萬1000元）、底特律（3萬2000元）。舊金山灣區在最難負擔的27個區域中名列第一，購房必須年收入較第二位的聖地牙哥（9萬8000元）高出4萬元。第三至第五是紐約、洛杉磯與波士頓，購房必須年收入至少8萬元。換言之，有能力在舊金山買房的人，可以在聖地牙哥買一棟房，再去大湖區買一棟，還有餘錢。

HSH.com的數據利用全國房地產經紀人協會統計的區域房產銷售中間價，以及網站自行統計的30年固定利率分析所得。

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Cities	30-Year Fixed Mortgage Rate	% Change from 4Q13	Median Home Price	% Change from 4Q13	Monthly Payment (PITI)	Salary Needed
Cleveland	4.50%	0.06	$102,100	-9.49	$695.07	$29,788.67
Pittsburgh	4.36%	0.04	$120,000	-6.69	$704.15	$30,177.78
St. Louis	4.40%	-0.01	$120,500	-7.52	$729.76	$31,275.49
Cincinnati	4.53%	0.08	$121,700	-5.44	$743.17	$31,850.18
Detroit	4.59%	0.10	$110,750	-9.72	$752.51	$32,250.30
Atlanta	4.44%	-0.03	$141,900	-0.35	$797.61	$34,183.44
Tampa	4.54%	0.04	$145,000	1.83	$850.21	$36,437.56
Phoenix	4.48%	0.07	$194,300	0.83	$963.87	$41,308.74
Orlando	4.47%	-0.01	$178,000	7.36	$1,009.03	$43,243.95
San Antonio	4.62%	0.13	$169,300	-1.40	$1,038.47	$44,506.00
Minneapolis	4.52%	0.02	$188,200	-4.52	$1,067.09	$45,732.39
Dallas	4.48%	0.02	$174,800	0.52	$1,113.20	$47,708.77
Houston	4.49%	0.02	$184,600	1.26	$1,144.19	$49,036.60
Philadelphia	4.52%	0.09	$201,800	-5.83	$1,179.41	$50,546.25
Chicago	4.52%	0.02	$176,900	-5.45	$1,233.56	$52,866.88
Baltimore	4.44%	0.07	$224,500	-7.12	$1,238.50	$53,078.51
Sacramento	4.55%	0.02	$255.800	2.17	$1,355.99	$58,113.87
Miami	4.53%	0.06	$259,000	1.61	$1,393.80	$59,734.23
Denver	4.53%	0.04	$288,400	3.26	$1,397.49	$59,892.46
Portland	4.57%	0.06	$271,900	1.64	$1,407.18	$60,307.71
Seattle	4.59%	0.07	$339,900	-1.31	$1,723.19	$73,851.06
Washington D.C.	4.45%	0.07	$358,900	-2.47	$1,831.75	$78,503.56
Boston	4.47%	0.06	$363,200	-2.18	$1,862.47	$79,820.01
Los Angeles	4.52%	0.06	$406,200	-3.99	$2,005.85	$85,964.88
New York City	4.53%	0.05	$388,900	0.67	$2,095.07	$89,788.69
San Diego	4.56%	0.03	$483,000	1.30	$2,299.13	$98,534.22
San Francisco	4.39%	0.00	$679,800	-0.38	$3,199.69	$137,129.55