美国的首期付款在2025年问题3中平均为30,400美元,其驱动因素是高价格和低库存,有利于较富有的买家。 U.S. down payments averaged $30,400 in Q3 2025, driven by high prices and low inventory, favoring wealthier buyers.

2025年,美国住房市场下期付款保持稳定,平均为30 400美元,占房价的14.4%,自2019年以来上升了118%。 Down payments in the U.S. housing market held steady in Q3 2025, averaging $30,400 or 14.4% of home prices, up 118% since 2019. 高房价、高按揭利率和有限库存继续限制了可负担性,有利于高收入买家。 High home prices, elevated mortgage rates, and limited inventory continue to limit affordability, favoring higher-income buyers. 超过750 000美元的房屋销售量逐年增加近6%,而初级销售量则下降。 Sales of homes over $750,000 rose nearly 6% year-over-year, while entry-level sales declined. 投资者和第二家庭购买者支付的首期付款数额大得多,分别为26.7%和26.9%。 Investors and second-home buyers made significantly larger down payments, averaging 26.7% and 26.9%, respectively. 区域差异依然存在,东北地区首当其冲的是首付数额和股份。 Regional disparities remain, with the Northeast leading in down payment amounts and shares. 尽管按揭利率降低到6%的低幅度,但专家们警告说,不增加住房供应、价格和首付需求,住房价格和首付需求可能会再次上涨。 Despite mortgage rates easing to the low 6% range, experts warn that without increased housing supply, prices and down payment demands could rise again.