<p>美國的住房階梯缺少了一些梯級。</p>
<p>首次購房者的中位年齡現在為 40 歲——創下歷史新高——一些經驗豐富的房地產經紀人表示，&#34;入門房&#34;已經變得更像是一種奢侈品。</p>
<p>&#34;我看到的一個現象是，年輕人面臨更多的債務，&#34; Compass 的 Laura Worrell 對福克斯新聞數字版表示。&#34;房屋擁有的成本超過了入門級就業市場……存錢以支付首付和做這些事情非常困難……這並不完全是他們的錯。對他們來説，有太多的因素在作對。&#34;</p>
<p>&#34;我堅信美國夢仍然存在，而這個夢想就是買房、組建家庭，無論這對你意味着什麼，&#34; Compass 的頂級經紀人 Miltiadis Kastanis 也對福克斯數字版表示。&#34;但我確實認為，美國夢的核心仍然是擁有房屋……它仍然存在，但隨着時間的推移，我們作為美國人必須適應我們所處的環境。&#34;</p>
<p><strong>特朗普的 50 年抵押貸款提案：這對購房者意味着什麼？</strong></p>
<p>全國房地產經紀人協會本月早些時候發佈了 2025 年購房者和賣家的報告，發現首次購房者的中位年齡躍升至 40 歲，創下歷史新高。報告將此歸因於有限的住房庫存和更長的儲蓄及搜索週期。</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>根據全國房地產經紀人協會的數據，美國首次購房者的年齡創下新高，達到 40 歲。（Getty Images）</p>
<p>聖路易斯聯邦儲備銀行的數據表明，美國房屋的全國中位銷售價格在 2025 年第二季度達到了 410,800 美元。此外，Zillow 今年早些時候的數據發現，自 2020 年以來，美國房屋價值上漲了超過 45%。</p>
<p>&#34;我注意到，購房者的年齡隨着時間的推移越來越大。我的意思是，即使是我的一代人，我現在 40 歲，我在 19 歲時買了我的第一套房子，而我注意到今天我並沒有和很多 19 歲的人打交道，&#34; Kastanis 反應道。</p>
<p>&#34;我買的第一套房子與一些年輕人對第一套房子的期望完全不同。我認為期望已經改變，&#34; 他繼續説道。&#34;我認為他們被周圍的人所包圍，看到網上其他人擁有的東西，他們期望更多……價格肯定已經改變，對吧？在某個時候，我從未想過擁有一套價值 100 萬美元的房子，而現在在我的市場上，100 萬美元的房子並不能給你太多。&#34;</p>
<p>&#34;我看到年輕人正在調整他們的期望，&#34; Worrell 同意道。&#34;很多 20 多歲的人並不一定在考慮所謂的 ‘第一個里程碑’……我會説，他們必須回過頭來思考如何到達那裏，並考慮一些可負擔的策略，比如，如何支付首付？&#34;</p>
<p>&#34;現在這些人更多是在 25 歲左右的規劃階段，像是計劃未來購房，但這需要多年的規劃才能做到，&#34; 她補充道。</p>
<p>在抵押貸款波動、價格飆升和生活成本上漲的情況下，兩位經紀人表示，市場因素的組合使得千禧一代和 Z 世代更難跟上。</p>
<p>&#34;無論房屋擁有是否是你計劃的一部分，生活的可負擔性都非常高，對吧？所以，他們很難擺脱這種困境，&#34; Worrell 辯稱。&#34;但下一代會在房屋擁有方面被落下嗎？很難説，因為在我看來，目前沒有一個很好的計劃來改變整體的可負擔性。&#34;</p>
<p><strong>擁有房屋仍然是美國夢嗎？為什麼年長的美國人選擇租房</strong></p>
<p>&#34;我認為這與生活成本有關。生活在美國非常昂貴，首先，但要生活在一個安全、優質的社區以實現美國夢，成本更高，&#34; Kastanis 説。</p>
<p>&#34;想象一下，在美國的生活成本下維持良好的生活方式。你知道，這是一筆非常高的代價——值得的，順便説一下，因為顯然，作為一個美國人，我覺得這是世界上最偉大的國家，&#34; 他補充道。&#34;但為了獲得世界所認為的美國夢，這一代人付出的代價要高得多。&#34;</p>
<p>雖然今天 40 歲的首次購房者通常非常細緻、謹慎且準備充分，但年輕購房者可能會犯下代價高昂的錯誤，從而影響報價。</p>
<p>&#34;他們並不輕視……他們想要他們想要的東西，&#34; Worrell 提到她的首次購房者。&#34;一個經驗豐富的房地產經紀人非常重要，因為那個人見過所有的事情……‘這可能不適合你，但這裏有一套房子，’……‘讓我們看看新建房屋，建築商願意支付你的成交費用，’……對買家來説，這裏有機會。&#34;</p>
<blockquote>
<p>&#34;我確實認為，美國夢的核心仍然是擁有房屋……它仍然存在，但隨着時間的推移，我們作為美國人必須適應我們所處的環境。&#34;</p>
</blockquote>
<p>&#34;很多年輕的首次購房者，心中有一點擔憂，使他們反應稍慢，&#34; Kastanis 指出，&#34;想得太多而不敢進入交易……年輕購房者缺乏代表性被證明是一個問題。&#34;</p>
<p>&#34;為了在競爭激烈的市場中佔有一席之地，你必須有一個強有力的策略，&#34; 他繼續説道。&#34;你必須與專業人士合作，並信任那些在舊的、疫情前的市場和疫情後的市場中導航的專業人士。&#34;</p>
<p>他們的最佳建議是：與房地產專家對齊，並關注超出你控制範圍的因素——庫存、通貨膨脹和利率。</p>
<p><strong>點擊這裏獲取福克斯商業新聞的移動版</strong></p>
<p>“我認為這歸結於人際互動的基本理念，以及進行對話併為自己設定正確的基礎，以便能夠制定出實現你想要的結果和美國夢的策略，” Kastanis 説。</p>
<p>“我 100% 會改變年輕人在設定自己適應所處的時間和地點時所接受的教育，” Worrell 插話道。“看到一個擁有所有技能、或者有紀律性、或者做得一切都正確的人，卻因為在工作中得不到足夠的報酬——甚至可能是兩份工作——而無法克服當前經濟狀況，真是令人心痛。”</p>
<p><strong>閲讀更多來自福克斯商業的內容</strong></p>

COMP

<p>美國首次購房者的中位年齡已達到創紀錄的 40 歲，這一現象是由於可負擔性挑戰、住房庫存有限以及房價上漲所驅動的。Compass 的代理人強調了年輕一代在生活成本上升的背景下，儲蓄首付款所面臨的困難。儘管面臨這些障礙，擁有住房仍然是美國夢的核心部分，儘管期望和策略必須適應當前的經濟條件</p>

<p>America’s housing ladder is missing a few rungs.</p>
<div class="lb-trans"><p>美國的住房階梯缺少了一些梯級。</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>首次購房者的中位年齡現在為 40 歲——創下歷史新高——一些經驗豐富的房地產經紀人表示，&#34;入門房&#34;已經變得更像是一種奢侈品。</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;我看到的一個現象是，年輕人面臨更多的債務，&#34; Compass 的 Laura Worrell 對福克斯新聞數字版表示。&#34;房屋擁有的成本超過了入門級就業市場……存錢以支付首付和做這些事情非常困難……這並不完全是他們的錯。對他們來説，有太多的因素在作對。&#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;我堅信美國夢仍然存在，而這個夢想就是買房、組建家庭，無論這對你意味着什麼，&#34; Compass 的頂級經紀人 Miltiadis Kastanis 也對福克斯數字版表示。&#34;但我確實認為，美國夢的核心仍然是擁有房屋……它仍然存在，但隨着時間的推移，我們作為美國人必須適應我們所處的環境。&#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 年抵押貸款提案：這對購房者意味着什麼？</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>全國房地產經紀人協會本月早些時候發佈了 2025 年購房者和賣家的報告，發現首次購房者的中位年齡躍升至 40 歲，創下歷史新高。報告將此歸因於有限的住房庫存和更長的儲蓄及搜索週期。</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>根據全國房地產經紀人協會的數據，美國首次購房者的年齡創下新高，達到 40 歲。（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>聖路易斯聯邦儲備銀行的數據表明，美國房屋的全國中位銷售價格在 2025 年第二季度達到了 410,800 美元。此外，Zillow 今年早些時候的數據發現，自 2020 年以來，美國房屋價值上漲了超過 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，購房者的年齡隨着時間的推移越來越大。我的意思是，即使是我的一代人，我現在 40 歲，我在 19 歲時買了我的第一套房子，而我注意到今天我並沒有和很多 19 歲的人打交道，&#34; Kastanis 反應道。</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;我買的第一套房子與一些年輕人對第一套房子的期望完全不同。我認為期望已經改變，&#34; 他繼續説道。&#34;我認為他們被周圍的人所包圍，看到網上其他人擁有的東西，他們期望更多……價格肯定已經改變，對吧？在某個時候，我從未想過擁有一套價值 100 萬美元的房子，而現在在我的市場上，100 萬美元的房子並不能給你太多。&#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;我看到年輕人正在調整他們的期望，&#34; Worrell 同意道。&#34;很多 20 多歲的人並不一定在考慮所謂的 ‘第一個里程碑’……我會説，他們必須回過頭來思考如何到達那裏，並考慮一些可負擔的策略，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;現在這些人更多是在 25 歲左右的規劃階段，像是計劃未來購房，但這需要多年的規劃才能做到，&#34; 她補充道。</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>在抵押貸款波動、價格飆升和生活成本上漲的情況下，兩位經紀人表示，市場因素的組合使得千禧一代和 Z 世代更難跟上。</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;無論房屋擁有是否是你計劃的一部分，生活的可負擔性都非常高，對吧？所以，他們很難擺脱這種困境，&#34; Worrell 辯稱。&#34;但下一代會在房屋擁有方面被落下嗎？很難説，因為在我看來，目前沒有一個很好的計劃來改變整體的可負擔性。&#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>擁有房屋仍然是美國夢嗎？為什麼年長的美國人選擇租房</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;我認為這與生活成本有關。生活在美國非常昂貴，首先，但要生活在一個安全、優質的社區以實現美國夢，成本更高，&#34; Kastanis 説。</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，在美國的生活成本下維持良好的生活方式。你知道，這是一筆非常高的代價——值得的，順便説一下，因為顯然，作為一個美國人，我覺得這是世界上最偉大的國家，&#34; 他補充道。&#34;但為了獲得世界所認為的美國夢，這一代人付出的代價要高得多。&#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>雖然今天 40 歲的首次購房者通常非常細緻、謹慎且準備充分，但年輕購房者可能會犯下代價高昂的錯誤，從而影響報價。</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;他們並不輕視……他們想要他們想要的東西，&#34; Worrell 提到她的首次購房者。&#34;一個經驗豐富的房地產經紀人非常重要，因為那個人見過所有的事情……‘這可能不適合你，但這裏有一套房子，’……‘讓我們看看新建房屋，建築商願意支付你的成交費用，’……對買家來説，這裏有機會。&#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;我確實認為，美國夢的核心仍然是擁有房屋……它仍然存在，但隨着時間的推移，我們作為美國人必須適應我們所處的環境。&#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;很多年輕的首次購房者，心中有一點擔憂，使他們反應稍慢，&#34; Kastanis 指出，&#34;想得太多而不敢進入交易……年輕購房者缺乏代表性被證明是一個問題。&#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;為了在競爭激烈的市場中佔有一席之地，你必須有一個強有力的策略，&#34; 他繼續説道。&#34;你必須與專業人士合作，並信任那些在舊的、疫情前的市場和疫情後的市場中導航的專業人士。&#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>他們的最佳建議是：與房地產專家對齊，並關注超出你控制範圍的因素——庫存、通貨膨脹和利率。</p>
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</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>“我認為這歸結於人際互動的基本理念，以及進行對話併為自己設定正確的基礎，以便能夠制定出實現你想要的結果和美國夢的策略，” Kastanis 説。</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% 會改變年輕人在設定自己適應所處的時間和地點時所接受的教育，” Worrell 插話道。“看到一個擁有所有技能、或者有紀律性、或者做得一切都正確的人，卻因為在工作中得不到足夠的報酬——甚至可能是兩份工作——而無法克服當前經濟狀況，真是令人心痛。”</p>
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