<p>美国的住房阶梯缺少了一些梯级。</p>
<p>首次购房者的中位年龄现在为 40 岁——创下历史新高——一些经验丰富的房地产经纪人表示，&#34;入门房&#34;已经变得更像是一种奢侈品。</p>
<p>&#34;我看到的一个现象是，年轻人面临更多的债务，&#34; Compass 的 Laura Worrell 对福克斯新闻数字版表示。&#34;房屋拥有的成本超过了入门级就业市场……存钱以支付首付和做这些事情非常困难……这并不完全是他们的错。对他们来说，有太多的因素在作对。&#34;</p>
<p>&#34;我坚信美国梦仍然存在，而这个梦想就是买房、组建家庭，无论这对你意味着什么，&#34; Compass 的顶级经纪人 Miltiadis Kastanis 也对福克斯数字版表示。&#34;但我确实认为，美国梦的核心仍然是拥有房屋……它仍然存在，但随着时间的推移，我们作为美国人必须适应我们所处的环境。&#34;</p>
<p><strong>特朗普的 50 年抵押贷款提案：这对购房者意味着什么？</strong></p>
<p>全国房地产经纪人协会本月早些时候发布了 2025 年购房者和卖家的报告，发现首次购房者的中位年龄跃升至 40 岁，创下历史新高。报告将此归因于有限的住房库存和更长的储蓄及搜索周期。</p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/11/931/523/us-single-family-homes-flags-flying.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/11/931/523/us-single-family-homes-flags-flying.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>根据全国房地产经纪人协会的数据，美国首次购房者的年龄创下新高，达到 40 岁。（Getty Images）</p>
<p>圣路易斯联邦储备银行的数据表明，美国房屋的全国中位销售价格在 2025 年第二季度达到了 410,800 美元。此外，Zillow 今年早些时候的数据发现，自 2020 年以来，美国房屋价值上涨了超过 45%。</p>
<p>&#34;我注意到，购房者的年龄随着时间的推移越来越大。我的意思是，即使是我的一代人，我现在 40 岁，我在 19 岁时买了我的第一套房子，而我注意到今天我并没有和很多 19 岁的人打交道，&#34; Kastanis 反应道。</p>
<p>&#34;我买的第一套房子与一些年轻人对第一套房子的期望完全不同。我认为期望已经改变，&#34; 他继续说道。&#34;我认为他们被周围的人所包围，看到网上其他人拥有的东西，他们期望更多……价格肯定已经改变，对吧？在某个时候，我从未想过拥有一套价值 100 万美元的房子，而现在在我的市场上，100 万美元的房子并不能给你太多。&#34;</p>
<p>&#34;我看到年轻人正在调整他们的期望，&#34; Worrell 同意道。&#34;很多 20 多岁的人并不一定在考虑所谓的 ‘第一个里程碑’……我会说，他们必须回过头来思考如何到达那里，并考虑一些可负担的策略，比如，如何支付首付？&#34;</p>
<p>&#34;现在这些人更多是在 25 岁左右的规划阶段，像是计划未来购房，但这需要多年的规划才能做到，&#34; 她补充道。</p>
<p>在抵押贷款波动、价格飙升和生活成本上涨的情况下，两位经纪人表示，市场因素的组合使得千禧一代和 Z 世代更难跟上。</p>
<p>&#34;无论房屋拥有是否是你计划的一部分，生活的可负担性都非常高，对吧？所以，他们很难摆脱这种困境，&#34; Worrell 辩称。&#34;但下一代会在房屋拥有方面被落下吗？很难说，因为在我看来，目前没有一个很好的计划来改变整体的可负担性。&#34;</p>
<p><strong>拥有房屋仍然是美国梦吗？为什么年长的美国人选择租房</strong></p>
<p>&#34;我认为这与生活成本有关。生活在美国非常昂贵，首先，但要生活在一个安全、优质的社区以实现美国梦，成本更高，&#34; Kastanis 说。</p>
<p>&#34;想象一下，在美国的生活成本下维持良好的生活方式。你知道，这是一笔非常高的代价——值得的，顺便说一下，因为显然，作为一个美国人，我觉得这是世界上最伟大的国家，&#34; 他补充道。&#34;但为了获得世界所认为的美国梦，这一代人付出的代价要高得多。&#34;</p>
<p>虽然今天 40 岁的首次购房者通常非常细致、谨慎且准备充分，但年轻购房者可能会犯下代价高昂的错误，从而影响报价。</p>
<p>&#34;他们并不轻视……他们想要他们想要的东西，&#34; Worrell 提到她的首次购房者。&#34;一个经验丰富的房地产经纪人非常重要，因为那个人见过所有的事情……‘这可能不适合你，但这里有一套房子，’……‘让我们看看新建房屋，建筑商愿意支付你的成交费用，’……对买家来说，这里有机会。&#34;</p>
<blockquote>
<p>&#34;我确实认为，美国梦的核心仍然是拥有房屋……它仍然存在，但随着时间的推移，我们作为美国人必须适应我们所处的环境。&#34;</p>
</blockquote>
<p>&#34;很多年轻的首次购房者，心中有一点担忧，使他们反应稍慢，&#34; Kastanis 指出，&#34;想得太多而不敢进入交易……年轻购房者缺乏代表性被证明是一个问题。&#34;</p>
<p>&#34;为了在竞争激烈的市场中占有一席之地，你必须有一个强有力的策略，&#34; 他继续说道。&#34;你必须与专业人士合作，并信任那些在旧的、疫情前的市场和疫情后的市场中导航的专业人士。&#34;</p>
<p>他们的最佳建议是：与房地产专家对齐，并关注超出你控制范围的因素——库存、通货膨胀和利率。</p>
<p><strong>点击这里获取福克斯商业新闻的移动版</strong></p>
<p>“我认为这归结于人际互动的基本理念，以及进行对话并为自己设定正确的基础，以便能够制定出实现你想要的结果和美国梦的策略，” Kastanis 说。</p>
<p>“我 100% 会改变年轻人在设定自己适应所处的时间和地点时所接受的教育，” Worrell 插话道。“看到一个拥有所有技能、或者有纪律性、或者做得一切都正确的人，却因为在工作中得不到足够的报酬——甚至可能是两份工作——而无法克服当前经济状况，真是令人心痛。”</p>
<p><strong>阅读更多来自福克斯商业的内容</strong></p>

COMP

<p>美国首次购房者的中位年龄已达到创纪录的 40 岁，这一现象是由于可负担性挑战、住房库存有限以及房价上涨所驱动的。Compass 的代理人强调了年轻一代在生活成本上升的背景下，储蓄首付款所面临的困难。尽管面临这些障碍，拥有住房仍然是美国梦的核心部分，尽管期望和策略必须适应当前的经济条件</p>

<p>America’s housing ladder is missing a few rungs.</p>
<div class="lb-trans"><p>美国的住房阶梯缺少了一些梯级。</p>
</div><p>The median first-time homebuyer is now 40 years old — a record high — and some of the country’s most seasoned agents say the &#34;starter home&#34; has become more of a luxury.</p>
<div class="lb-trans"><p>首次购房者的中位年龄现在为 40 岁——创下历史新高——一些经验丰富的房地产经纪人表示，&#34;入门房&#34;已经变得更像是一种奢侈品。</p>
</div><p>&#34;One of the things that I see is that younger people are battling more debt,&#34; Compass’ Laura Worrell told Fox News Digital. &#34;The cost of homeownership is outpacing the entry-level job market … it's very difficult to save money to be able to have a down payment and to do those types of things and … it's not entirely their fault. I mean, there's just so much against them, so many factors.&#34;</p>
<div class="lb-trans"><p>&#34;我看到的一个现象是，年轻人面临更多的债务，&#34; Compass 的 Laura Worrell 对福克斯新闻数字版表示。&#34;房屋拥有的成本超过了入门级就业市场……存钱以支付首付和做这些事情非常困难……这并不完全是他们的错。对他们来说，有太多的因素在作对。&#34;</p>
</div><p>&#34;I feel strongly that the American dream still exists, and that dream is to buy a home, start a family, whatever that means for you,&#34; Compass top agent Miltiadis Kastanis also told Fox Digital. &#34;But I do think that the American dream still has homeownership at the core root of it … It's still there, but as time goes on, we have to adapt as Americans to the environments we're in.&#34;</p>
<div class="lb-trans"><p>&#34;我坚信美国梦仍然存在，而这个梦想就是买房、组建家庭，无论这对你意味着什么，&#34; Compass 的顶级经纪人 Miltiadis Kastanis 也对福克斯数字版表示。&#34;但我确实认为，美国梦的核心仍然是拥有房屋……它仍然存在，但随着时间的推移，我们作为美国人必须适应我们所处的环境。&#34;</p>
</div><p><strong>TRUMP'S 50-YEAR MORTGAGE PROPOSAL: WHAT WOULD IT MEAN FOR HOMEBUYERS?</strong></p>
<div class="lb-trans"><p><strong>特朗普的 50 年抵押贷款提案：这对购房者意味着什么？</strong></p>
</div><p>The National Association of Realtors released its 2025 Profile of Home Buyers and Sellers earlier this month, finding that the median age of first-time homebuyers jumped to the highest ever recorded at 40 years old. The report attributed this to limited housing inventory and longer saving and search periods.</p>
<div class="lb-trans"><p>全国房地产经纪人协会本月早些时候发布了 2025 年购房者和卖家的报告，发现首次购房者的中位年龄跃升至 40 岁，创下历史新高。报告将此归因于有限的住房库存和更长的储蓄及搜索周期。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/11/931/523/us-single-family-homes-flags-flying.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/11/931/523/us-single-family-homes-flags-flying.jpg?ve=1&amp;tl=1"/></p>
<p>America's first-time homebuyer hit a new record high age of 40, according to the National Association of Realtors. (Getty Images)</p>
<div class="lb-trans"><p>根据全国房地产经纪人协会的数据，美国首次购房者的年龄创下新高，达到 40 岁。（Getty Images）</p>
</div><p>Data from the Federal Reserve Bank of St. Louis shows the national median sales price of houses sold in the U.S. reached $410,800 in Q2 2025. Additionally, Zillow data from earlier this year found that U.S. home values have risen more than 45% since 2020.</p>
<div class="lb-trans"><p>圣路易斯联邦储备银行的数据表明，美国房屋的全国中位销售价格在 2025 年第二季度达到了 410,800 美元。此外，Zillow 今年早些时候的数据发现，自 2020 年以来，美国房屋价值上涨了超过 45%。</p>
</div><p>&#34;I have noticed that the homebuyer age has increasingly become older through time. I mean, even for my generation, I'm now 40 years old, I bought my first home when I was 19 years old, and I notice I don't work with many 19-year-olds today,&#34; Kastanis reacted.</p>
<div class="lb-trans"><p>&#34;我注意到，购房者的年龄随着时间的推移越来越大。我的意思是，即使是我的一代人，我现在 40 岁，我在 19 岁时买了我的第一套房子，而我注意到今天我并没有和很多 19 岁的人打交道，&#34; Kastanis 反应道。</p>
</div><p>&#34;My first home that I ever bought was nowhere near the world of what somewhat-younger people are expecting from a first home. I think expectations have changed,&#34; he continued. &#34;I think they're surrounded by people, of seeing online what others have, and they're expecting way more … Prices for sure have changed, right? Like, at some point, I never dreamed of having a $1 million home, where now $1 million in my market doesn't get you much.&#34;</p>
<div class="lb-trans"><p>&#34;我买的第一套房子与一些年轻人对第一套房子的期望完全不同。我认为期望已经改变，&#34; 他继续说道。&#34;我认为他们被周围的人所包围，看到网上其他人拥有的东西，他们期望更多……价格肯定已经改变，对吧？在某个时候，我从未想过拥有一套价值 100 万美元的房子，而现在在我的市场上，100 万美元的房子并不能给你太多。&#34;</p>
</div><p>&#34;I see younger people adjusting their expectations,&#34; Worrell agreed. &#34;A lot of people in their 20s aren't thinking about necessarily that quote-unquote 'first milestone’ … I would say that they have to kind of go back and think about how to get there, and think about affordability strategies like, how will you make that first down payment?&#34;</p>
<div class="lb-trans"><p>&#34;我看到年轻人正在调整他们的期望，&#34; Worrell 同意道。&#34;很多 20 多岁的人并不一定在考虑所谓的 ‘第一个里程碑’……我会说，他们必须回过头来思考如何到达那里，并考虑一些可负担的策略，比如，如何支付首付？&#34;</p>
</div><p>&#34;Now these folks are more in a planning stage at that mid 20s [age], like planning to future-buy a home, but that is years of planning to be able to do that,&#34; she added.</p>
<div class="lb-trans"><p>&#34;现在这些人更多是在 25 岁左右的规划阶段，像是计划未来购房，但这需要多年的规划才能做到，&#34; 她补充道。</p>
</div><p>Between mortgage volatility, sky-high prices and cost-of-living increases, both agents say the mix of market factors has made it harder for millennials and Gen Z to keep up.</p>
<div class="lb-trans"><p>在抵押贷款波动、价格飙升和生活成本上涨的情况下，两位经纪人表示，市场因素的组合使得千禧一代和 Z 世代更难跟上。</p>
</div><p>&#34;Regardless if homeownership was part of your plan, affordability of living is incredibly high, right? And so, it's hard for them to dig themselves out of that,&#34; Worrell argued. &#34;But will that next generation get left behind in terms of homeownership? It's hard to say, because right now there's not, in my opinion, a great plan for changing affordability in general.&#34;</p>
<div class="lb-trans"><p>&#34;无论房屋拥有是否是你计划的一部分，生活的可负担性都非常高，对吧？所以，他们很难摆脱这种困境，&#34; Worrell 辩称。&#34;但下一代会在房屋拥有方面被落下吗？很难说，因为在我看来，目前没有一个很好的计划来改变整体的可负担性。&#34;</p>
</div><p><strong>IS OWNING A HOME STILL THE AMERICAN DREAM? WHY OLDER AMERICANS ARE CHOOSING TO RENT</strong></p>
<div class="lb-trans"><p><strong>拥有房屋仍然是美国梦吗？为什么年长的美国人选择租房</strong></p>
</div><p>&#34;I think it's related to the cost of living. It is very expensive to live in America, first and foremost, but to live in a safe, prime neighborhood to get that American dream, it's just way more costly,&#34; Kastanis said.</p>
<div class="lb-trans"><p>&#34;我认为这与生活成本有关。生活在美国非常昂贵，首先，但要生活在一个安全、优质的社区以实现美国梦，成本更高，&#34; Kastanis 说。</p>
</div><p>&#34;Imagine trying to maintain a good lifestyle with the cost of living in America. You know, it's a very hefty price to pay – that's worth it, by the way, because obviously, as an American, I feel this is the greatest country in the world,&#34; he expanded. &#34;But in order to get what the world considers the American dream, it costs a lot more for this generation.&#34;</p>
<div class="lb-trans"><p>&#34;想象一下，在美国的生活成本下维持良好的生活方式。你知道，这是一笔非常高的代价——值得的，顺便说一下，因为显然，作为一个美国人，我觉得这是世界上最伟大的国家，&#34; 他补充道。&#34;但为了获得世界所认为的美国梦，这一代人付出的代价要高得多。&#34;</p>
</div><p>While today’s 40-year-old first-time buyer is often meticulous, careful and over-prepared, younger buyers can make costly mistakes that derail offers.</p>
<div class="lb-trans"><p>虽然今天 40 岁的首次购房者通常非常细致、谨慎且准备充分，但年轻购房者可能会犯下代价高昂的错误，从而影响报价。</p>
</div><p>&#34;They don’t take it lightly … they want what they want,&#34; Worrell noted of her first-time buyers. &#34;An experienced realtor is very important because that person has seen it all … ‘That may not work out for you, but there’s a home over here,’ … ‘Let's have a look at new construction where the builder is willing to pay your closing cost,’ … There’s opportunity there for a buyer.&#34;</p>
<div class="lb-trans"><p>&#34;他们并不轻视……他们想要他们想要的东西，&#34; Worrell 提到她的首次购房者。&#34;一个经验丰富的房地产经纪人非常重要，因为那个人见过所有的事情……‘这可能不适合你，但这里有一套房子，’……‘让我们看看新建房屋，建筑商愿意支付你的成交费用，’……对买家来说，这里有机会。&#34;</p>
</div><blockquote>
<p>&#34;I do think that the American dream still has homeownership at the core root of it … It's still there, but as time goes on, we have to adapt as Americans to the environments we're in.&#34;</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>&#34;我确实认为，美国梦的核心仍然是拥有房屋……它仍然存在，但随着时间的推移，我们作为美国人必须适应我们所处的环境。&#34;</p>
</blockquote>
</div><p>&#34;A lot of the younger first-time buyers, there's a little bit of concern in them that makes them react a little bit slower,&#34; Kastanis pointed out, &#34;thinking too much and not getting into the deal … that lack of representation with the younger buyers is proven to be problematic.&#34;</p>
<div class="lb-trans"><p>&#34;很多年轻的首次购房者，心中有一点担忧，使他们反应稍慢，&#34; Kastanis 指出，&#34;想得太多而不敢进入交易……年轻购房者缺乏代表性被证明是一个问题。&#34;</p>
</div><p>&#34;In order to have a seat at the table in a competitive market, you have to have a strong strategy,&#34; he continued. &#34;You have to work with professionals and trust professionals that have navigated the old, pre-COVID market, the post-COVID market.&#34;</p>
<div class="lb-trans"><p>&#34;为了在竞争激烈的市场中占有一席之地，你必须有一个强有力的策略，&#34; 他继续说道。&#34;你必须与专业人士合作，并信任那些在旧的、疫情前的市场和疫情后的市场中导航的专业人士。&#34;</p>
</div><p>Their best advice: align with a real estate expert and watch for factors beyond your control — inventory, inflation and rates.</p>
<div class="lb-trans"><p>他们的最佳建议是：与房地产专家对齐，并关注超出你控制范围的因素——库存、通货膨胀和利率。</p>
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<div class="lb-trans"><p><strong>点击这里获取福克斯商业新闻的移动版</strong></p>
</div><p>&#34;I think it comes down to the basic ethos of human interaction, and having the conversations and setting yourself up [right] so that you can have a strategy to get the results that you want and what your American dream is,&#34; Kastanis said.</p>
<div class="lb-trans"><p>“我认为这归结于人际互动的基本理念，以及进行对话并为自己设定正确的基础，以便能够制定出实现你想要的结果和美国梦的策略，” Kastanis 说。</p>
</div><p>&#34;I would 100% change what young people are taught in terms of setting themselves up for the time and place that they're put in,&#34; Worrell chimed in. &#34;It's hard to see somebody who has all the skills, or who has the discipline, or who's doing everything right, but simply cannot overcome because they're not getting paid enough in their job — or maybe even two jobs —to overcome the current economy.&#34;</p>
<div class="lb-trans"><p>“我 100% 会改变年轻人在设定自己适应所处的时间和地点时所接受的教育，” Worrell 插话道。“看到一个拥有所有技能、或者有纪律性、或者做得一切都正确的人，却因为在工作中得不到足够的报酬——甚至可能是两份工作——而无法克服当前经济状况，真是令人心痛。”</p>
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