美国的按揭付款自2015年以来几乎翻了一番,原因是房价和房价上涨,负担能力恶化。 U.S. mortgage payments nearly doubled since 2015 due to higher home prices and rates, worsening affordability.

自2015年以来,美国各地的抵押贷款支付额几乎翻了一番,从每月712美元增加到1 424美元,原因是房价上涨和2025年9月按揭利率上升,平均为6.26%,远远高于2015年的3.91%。 Mortgage payments across the U.S. have nearly doubled since 2015, rising from $712 to $1,424 monthly, driven by higher home prices and elevated mortgage rates averaging 6.26% in September 2025—still well above the 3.91% rate in 2015. Idaho县,特别是Canyon县,涨幅最大,由于价格暴涨和住房库存有限,支付额增加了一倍以上。 Idaho counties, particularly Canyon County, saw the steepest increases, with payments more than doubling due to soaring prices and limited housing inventory. 高需求、较长的房主保有权和较少的出售住房使可负担性更加恶化,典型的家庭收入为69 000美元,约36%的收入用于抵押贷款。 High demand, longer homeowner retention, and fewer homes for sale have worsened affordability, with a typical household earning $69,000 spending about 36% of income on mortgages. 马萨诸塞州、加利福尼亚州和怀俄明州仍然拥有最昂贵的市场,南塔基特州的支付额超过9 700美元。 The most expensive markets remain in Massachusetts, California, and Wyoming, where Nantucket County’s payments exceeded $9,700.