2026-03-17T09:53:00-0400 / CBS新闻
根据Realtor.com的数据，年轻时尽早购买第一套住房可以让你走上更坚实的财富积累之路。
这家在线房地产公司在最近的一项研究中发现，平均而言，那些在30岁前成功成为房主的美国人，到50岁时比那些等到40岁中晚期才购房的人净资产多出11.9万美元。即使是等到33至37岁才买房的人，到50岁时的净资产也比推迟购房的人多出5.9万美元。
Realtor.com表示，这种”先发优势”就像一个”财富倍增器”，让房主能够通过房产增值积累更多财富——房产增值指的是房屋随时间推移而升值。
研究指出：”当家庭能够更早购房时，他们就有更多年的时间通过房产增值和抵押贷款偿还来积累住房财富。”
Realtor.com称，早购房的好处不仅限于房主本人，还能对后代产生积极的”涓滴效应”。该公司的分析发现，在房主家庭中长大的孩子，到35岁时自己成为房主的可能性要高出18.4个百分点。
Realtor.com的研究结果基于密歇根大学收入动态面板研究的数据——这是一项长期追踪家庭收入的调查。
购房门槛依然很高
当然，现实情况是，如今购置第一套住房说起来容易做起来难。根据Realtor.com的数据，美国房屋中位数价格为41.8万美元，几乎是家庭收入中位数8.5万美元的五倍。
美国住宅建筑商协会2月份的一项研究还发现，在39个州和哥伦比亚特区，近三分之二的家庭无力负担当地中等价格的新房。例如，在新罕布什尔州，约83%的家庭无法负担平均近67.8万美元的新房价格。
对于年轻人来说，购房门槛尤其高。与上一代相比，他们面临更多经济障碍，这导致结婚、生育以及购买第一套住房等人生重大里程碑都被推迟。美国房地产经纪人协会11月的一份报告显示，首次购房者的中位年龄现已达到40岁，创历史新高。
How much does becoming a homeowner at 30 boost your net worth?
2026-03-17T09:53:00-0400 / CBS News
Buying that first home earlier in life can put you on a stronger path to building wealth, according to Realtor.com.
On average, Americans who manage to become homeowners by age 30 are $119,000 richer by the time they’re 50 than people who wait until their mid-to-late 40s to take the plunge, the online real estate firm found in a recent study. Even those who wait until ages 33 to 37 have $59,000 more in net wealth by age 50 than those who put off buying a home.
Realtor.com said the head start acts as a “wealth multiplier” by allowing homeowners to accumulate more wealth through appreciation, which is when your home gains value over time.
“When households are able to buy earlier, they gain more years for housing wealth to accumulate through appreciation and mortgage paydown,” the study says.
The benefits of getting on the property train early aren’t limited to the homeowners — they can also have positive trickle-down effects on subsequent generations, according to Realtor.com. An analysis by the firm found that children raised in homeowner households are 18.4 percentage points more likely to become homeowners themselves by age 35.
Realtor.com based its findings on data from the University of Michigan’s Panel Study of Income Dynamics, a long-running survey of household income.
Bar to entry remains high
The reality, of course, is that acquiring that first home is much easier said than done these days. The median U.S. home price is $418,000, according to Realtor.com — nearly five times the median household income of $85,000.
A February study by the National Association of Home Builders also found that, in 39 states and the District of Columbia, nearly two-thirds of households are unable to afford the median-priced new home in their area. In New Hampshire, for example, roughly 83% of households can’t afford the cost of a new home, which averages nearly $678,000.
The bar to entry is especially high for younger adults, who face more economic barriers compared with previous generations. This has resulted in delaying major milestones such as getting married, having a child and, yes, buying their first home. A November report from the National Association of Realtors found that the median age for first-time buyers is now 40-years-old, the highest ever recorded.
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