--- title: "大多數美國人無法負擔新房" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/286672971.md" description: "美國國家住宅建築商協會的一項新分析顯示，由於高房價和抵押貸款利率，65% 的美國家庭無法負擔新建住房。在新罕布什爾州和夏威夷等州，超過 80% 的家庭被排除在外。可負擔性危機普遍存在，甚至影響到低成本州，表明收入增長與住房成本上升之間存在顯著差距，使得擁有住房變得越來越難以實現" datetime: "2026-05-17T12:47:20.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/286672971.md) - [en](https://longbridge.com/en/news/286672971.md) - [zh-HK](https://longbridge.com/zh-HK/news/286672971.md) --- # 大多數美國人無法負擔新房 Most Americans can’t afford a new home. A new analysis from the National Association of Home Builders (NAHB) shows that**65% of U.S. households**are priced out of newly built homes, based on current prices and mortgage rates. In some parts of the country, the situation is even more extreme. More than 80% of households can’t afford a new home, highlighting how widespread the affordability gap has become. This map, via Visual Capitalist's Dorosthy Neufeld, shows where Americans are being priced out and where barriers to homeownership are highest. ## Ranked: Where Americans Are Most Priced Out of New Homes At the extreme end, buying a new home is nearly out of reach. In New Hampshire,**83.4% of households**are priced out of a new median-priced home. In total,**11 states**have at least**80%**of households locked out. This table shows the share of households priced out of new homes by state in 2026. A household is considered “priced out” if total housing costs—principal, interest, taxes, and insurance—exceed 28% of income, based on median new home prices and a 6% mortgage rate. State % of Households Priced Out of New Homes Median New Home Price Income Needed to Qualify New Hampshire 83.4% $677,982 $211,080 Hawaii 83.0% $884,781 $234,818 Maine 82.7% $548,493 $160,714 Alaska 82.2% $627,077 $188,313 Connecticut 81.8% $696,752 $224,811 Wyoming 81.8% $580,627 $164,982 Montana 81.5% $495,610 $141,997 Oregon 81.0% $608,135 $173,717 New York 80.5% $656,108 $204,163 Vermont 80.1% $580,627 $181,064 Pennsylvania 80.0% $528,370 $160,900 Massachusetts 79.8% $836,236 $246,370 Wisconsin 77.3% $485,449 $149,085 Ohio 76.5% $443,646 $137,310 Washington 76.1% $649,812 $185,213 Colorado 75.1% $644,149 $179,928 Kansas 73.4% $401,237 $128,372 Rhode Island 72.9% $578,724 $174,451 South Carolina 72.5% $421,098 $118,180 New Mexico 71.7% $362,847 $104,055 Illinois 71.3% $428,712 $143,374 Michigan 71.3% $371,503 $122,158 Kentucky 71.3% $398,741 $109,299 Florida 71.1% $429,644 $127,139 Indiana 70.7% $418,993 $123,219 District of Columbia 70.1% $836,441 $232,260 Iowa 70.0% $348,337 $120,598 Arkansas 70.0% $381,881 $100,780 Alabama 69.2% $375,944 $106,586 New Jersey 69.1% $527,069 $172,356 Utah 68.2% $531,151 $145,638 Tennessee 67.7% $399,580 $111,631 Oklahoma 67.6% $351,771 $107,846 Arizona 66.6% $446,796 $122,364 Missouri 66.6% $371,515 $111,332 Idaho 66.4% $430,280 $117,615 North Carolina 66.4% $394,058 $112,263 Louisiana 66.2% $318,728 $95,895 California 65.6% $545,892 $153,471 Nevada 65.5% $420,782 $115,555 West Virginia 64.8% $308,607 $88,071 Texas 64.5% $369,798 $117,131 Georgia 62.5% $374,579 $109,329 Minnesota 62.1% $402,209 $122,025 Nebraska 62.0% $328,603 $107,185 South Dakota 62.0% $346,894 $106,233 North Dakota 61.4% $382,451 $116,480 Mississippi 61.1% $266,837 $80,174 Virginia 58.9% $429,184 $122,542 Maryland 58.5% $432,949 $127,559 Delaware 56.0% $376,478 $104,282 While high-cost states like Hawaii and Massachusetts rank among the least affordable, others such as Maine and Wyoming show that affordability pressures are no longer limited to major metro areas. ## Affordability Isn’t Just a Coastal Problem The most striking takeaway is how universal the problem has become. Even in lower-cost states like Mississippi ($267K) and West Virginia ($309K), a majority of households are still priced out new homes. While buyers need under $90,000 in income—compared to over $200,000 in the least affordable markets—that threshold remains out of reach for many. In other words, moving to a cheaper state is no longer a reliable solution. Instead, the data points to a deeper issue, which is that incomes have not kept pace with rising housing costs across the country. While existing homes can be more affordable than new construction, this data highlights a key constraint: much of the new housing supply entering the market is already out of reach for most households. ## The Bigger Picture As new home prices continue to outpace income growth, the gap between who can and can’t afford newly built homes is widening. That shift is reshapingwhere Americans live, how they build wealth, and whether homeownership is attainable at all. If even the most affordable states are out of reach for most households looking at new homes, the question becomes harder to ignore: where can buyers realistically go next? ## Learn More on the Voronoi App To learn more about this topic, check out thisgraphicon where wealth is moving in America. ### 相關股票 - [VNQ.US](https://longbridge.com/zh-HK/quote/VNQ.US.md) - [XHB.US](https://longbridge.com/zh-HK/quote/XHB.US.md) - [ITB.US](https://longbridge.com/zh-HK/quote/ITB.US.md) - [XLRE.US](https://longbridge.com/zh-HK/quote/XLRE.US.md) - [NAIL.US](https://longbridge.com/zh-HK/quote/NAIL.US.md) - [HOMZ.US](https://longbridge.com/zh-HK/quote/HOMZ.US.md) - [SCHH.US](https://longbridge.com/zh-HK/quote/SCHH.US.md) - [IYR.US](https://longbridge.com/zh-HK/quote/IYR.US.md) ## 相關資訊與研究 - [〈財報〉家得寶維持全年財測 高利率與房市疲弱仍壓抑需求](https://longbridge.com/zh-HK/news/286911230.md) - [貝殼控股首季經調整淨利按年升近 16%](https://longbridge.com/zh-HK/news/286984630.md) - [家得寶上季盈利按年跌逾 4% 每股基本盈利勝預期](https://longbridge.com/zh-HK/news/286895815.md) - [《本港樓市》萊坊︰東湧住宅地中標地價貼近預期上限，反映投資者對住宅樓市比較樂觀](https://longbridge.com/zh-HK/news/286987776.md) - [鉅亨速報 - Factset 最新調查：家得寶 HD-US 的目標價調降至 398 元，幅度約 4.1%](https://longbridge.com/zh-HK/news/286972432.md)