美国的入门房稀缺，推高了价格，使首次购买变得困难，尤其是在奥斯汀等城市。 U.S. starter homes are scarce, pushing prices up and making first-time buying hard, especially in cities like Austin.

美国各地的起步住房短缺,使得首次买家难以拥有住房,在奥斯汀等城市尤其如此,那里2025年9月的中位住房价格达到560 000美元,尽管收入中位,但远远超出了可负担性。 Starter homes are in short supply across the U.S., making homeownership difficult for first-time buyers, especially in cities like Austin, where median home prices reached $560,000 in September 2025—far exceeding affordability despite median incomes. 在建筑成本上升(包括自2020年以来材料增加40%)和木材等产品关税的推动下,作为初级单位建造的新住宅比例从1980年代的40%下降到2023年的12%。 The share of new homes built as entry-level units has dropped from 40% in the 1980s to just 12% by 2023, driven by rising construction costs, including a 40% increase in materials since 2020 and tariffs on items like lumber. 区划限制、冗长的审批程序以及现有房主的反对进一步限制了发展。 Zoning restrictions, lengthy approval processes, and opposition from existing homeowners further limit development. 虽然像休斯顿这样的一些城市在放松管制和缩小批量规模方面取得了成功,但全国的进展仍然缓慢。 While some cities like Houston have seen success with deregulation and smaller lot sizes, progress remains slow nationwide. 专家们建议改进信贷,一贯储蓄,寻求社区发展金融机构的支持,为今后的市场变化作准备,特别是在抵押贷款利率下降的情况下。 Experts recommend improving credit, saving consistently, and seeking support from Community Development Financial Institutions to prepare for future market shifts, especially if mortgage rates decline.