Moving Up Is MORE Affordable Now Than Almost Any Other Time In 40 Years
現在搬家是40年來最經濟實惠的時機
If you are considering selling your current home, to either move up to a larger home or into a home in an area that better suits your current family needs, great news was just revealed.
如果您正在考慮出售您目前的房屋，無論是要搬到更大的房子，還是要遷入一個更適合您目前需求的房屋，都是好消息。
Last week, Trulia posted a blog, Not Your Father’s Housing Market, which examined home affordability over the last 40+ years (1975–2016). Their research revealed that:
上週，Trulia發布了一篇部落格文章“不再是您父親的房屋市場”，文章中檢視了過去40多年（1975–2016）的房屋負擔能力，此研究表明：
“Nationally, homes are just about the most affordable they’ve been in the last 40 years… the median household could afford a home 1.5 times more expensive than the median home price. In 1980, the median household could only afford about 3/4 of the median home price.
“以全美國來看，房屋的價格幾乎是過去40年來最實惠的房價……一般家庭能夠負擔得起的房屋價格比房價平均數還高出1.5倍。在1980年，一般家庭只能承擔得起平均價位的3/4。
Despite relatively stagnant incomes, affordability has grown due to the sharp drop in mortgage rates over the last 30 years — from a high of over 16% in the 1980s to under 4% by 2016.
儘管收入相對滯後，但由於過去30年的房屋貸款利率大幅下降 — 從80年代的超過16％到2016年的4％以下，負擔能力有所增長。
Of the nation’s 100 largest metros, only Miami became unaffordable between 1990 and 2016. Meanwhile, 22 metros have flipped from being unaffordable to becoming affordable in that same time frame.”
在全美100個最大的城市中，只有邁阿密在1990年至2016年間變得難以負擔。同時，22個城市在相同時段內從難以負擔轉向為負擔得起。”
Here is a graph showing the Affordability Index compared to the 40-year average:
以下圖表顯示了與40年平均水平相比的負擔能力指數：
The graph shows that housing affordability is better now than at any other time in the last forty years, except during the housing crash last decade.
該圖顯示，除了十年前的房屋市場崩盤時期之外，現在的房屋承擔能力比過去四十年來的任何時候都好。
(Remember that during the crash you could purchase distressed properties — foreclosures and short sales — at 20–50% discounts.)
(請記住在崩盤期間，您可以以20–50％的折扣購買不良資產 — 銀行屋和短銷屋。)
There is no doubt that with home prices and mortgage rates on the rise, the affordability index will continue to fall. That is why if you are thinking of moving up, you probably shouldn’t wait.
毫無疑問，隨著房價和貸款利率的上漲，負擔能力指數將繼續下降。 這就是為什麼如果您想搬家，不應該再等待等待下去的原因。
Bottom Line 結論
If you have held off on moving up to your family’s dream home because you were hoping to time the market, that time has come.
如果您之前正在等待對的時機來搬遷入您的夢想之家，那麼時機已經到來。
