年轻美国人能买得起房子的人数较少,但稳定的迹象带来了希望。 Fewer young Americans can afford homes, but signs of stabilization offer hope.

年轻美国人越来越难以拥有住房,一半的首次购买者现在有40个或40岁以上的人,比十年前的35.4人有所增加,原因是价格高、抵押利率高、库存低。 Homeownership is increasingly difficult for younger Americans, with half of first-time buyers now 40 or older—up from 35.4 a decade ago—due to high prices, mortgage rates, and low inventory. 然而,历史模式表明,以往的可负担性危机,如1980年代和2000年代初期的危机,最终有所缓解,没有重复最坏的结果。 However, historical patterns show past affordability crises, like those in the 1980s and early 2000s, eventually eased without repeating the worst outcomes. 目前的稳定迹象 -- -- 住房供应增加,价格和租金稳定,以及潜在的利率稳定 -- -- 表示谨慎的希望。 Current signs of stabilization—rising home supply, steady prices and rents, and potential rate stability—offer cautious hope. 专家建议提供首付援助、赠款,与房地产专业人员合作可以提供帮助,特别是在哥伦布、麦迪逊和匹兹堡等更负担得起的市场。 Experts suggest down payment assistance, grants, and working with real estate professionals can help, especially in more affordable markets like Columbus, Madison, and Pittsburgh. 虽然挑战依然存在,特别是在高成本城市,但无法负担的周期通常会随着时间推移而逆转。 While challenges remain, especially in high-cost cities, the cycle of unaffordability typically reverses over time.