美国老年人现在拥有创纪录的26%的住房财富,与40至54岁的人群相匹配,因为房屋价格上和低利率有利于婴儿潮一代,而年轻买家面临着持续的负担能力挑战. Older Americans now own a record 26% of U.S. housing wealth, matching the 40- to 54-year-old group, as rising home prices and low rates benefited baby boomers, while younger buyers face ongoing affordability challenges.

根据Redfin数据显示,70岁及以上的美国人现在拥有全国48万亿美元房屋财富中的26%,与40至54岁年龄组的份额相匹配. Americans aged 70 and older now hold a record 26% of the nation’s $48 trillion in housing wealth, matching the share of the 40- to 54-year-old group, according to Redfin data from the third quarter of 2025. 这种转变反映了数十年来房价上和历史低抵押贷款利率, 让老年房屋所有者受益,特别是婴儿潮一代. This shift reflects decades of rising home prices and historically low mortgage rates that benefited older homeowners, particularly baby boomers. 由于高价格和加息, 年轻买家继续面临负担能力挑战. 40岁以下的购房者占住房财富的比例仅为12.6%,与十年前几乎没有变化. Meanwhile, younger buyers continue to face affordability challenges due to high prices and elevated rates, with those under 40 holding just 12.6% of housing wealth—nearly unchanged from a decade ago. 虽然55至69岁的年龄组仍占35.3%的比例最大,但这一份额略有下降. Though the 55- to 69-year-old group still holds the largest share at 35.3%, their portion has declined slightly. 最近的迹象表明,房贷利率下降至6%左右 - 接近三年来最低水平 - 而收入增长可能会在2026年超过房屋价格上. Recent signs suggest improvement, with mortgage rates falling to around 6%—near their lowest in over three years—and income growth potentially outpacing home price increases in 2026.