在加利福尼亚州,由于高价和高利率,现在买房子往往比租房更昂贵。 In California, buying a home is now often more expensive than renting due to high prices and interest rates.

由于房价和利率创下历史新高,加利福尼亚的房屋所有权不再是一种有保障的财政优势。 Homeownership in California is no longer a guaranteed financial advantage due to record-high home prices and interest rates. 房价中位数为852 680美元,几乎是全国平均房价的两倍,每月按揭付款往往在4 000美元至6 000美元之间,现在买房比洛杉矶、旧金山和奥兰治县等主要城市的租金昂贵得多,这些城市的所有权费用比租金高三至四倍。 With a median home price of $852,680—nearly double the national average—and monthly mortgage payments often between $4,000 and $6,000, buying is now far more expensive than renting in major cities like Los Angeles, San Francisco, and Orange County, where ownership costs are three to four times higher than rent. 从历史上看,在财政上拥有超过租金的业绩,但租金增长停滞不前,借贷成本上升,房价升值不确定,这些都扭转了这一趋势。 Historically, owning outperformed renting financially, but stagnant rent growth, elevated borrowing costs, and uncertain home price appreciation have reversed that trend. 专家说,金融数学现在在很多情况下都倾向于租房,除非房屋价值急剧上升。 Experts say the financial math now favors renting in many cases unless home values rise sharply. 只有一小部分租户能够负担房屋所有权而无需花费40%以上的收入用于住房,加利福尼亚州55%的住房所有权率是美国第二低的,反映了负担能力的限制,而不是偏好。 With only a small fraction of renters able to afford homeownership without spending over 40% of income on housing, California’s 55% homeownership rate—the second lowest in the U.S.—reflects affordability constraints, not preference.