2026年4月3日 / 美国东部时间下午4:44 / 哥伦比亚广播公司（CBS）新闻
伊朗战争带来的经济影响正开始波及美国全国。
“影响范围非常广泛，从抵押贷款利率到出行、食品价格，方方面面都未能幸免，” LendingTree首席消费者金融分析师马特·舒尔茨在接受CBS新闻采访时表示，“对于许多预算本就紧张的美国人来说，情况已经够艰难了，这场战争无疑是雪上加霜。”
如果战争能迅速结束——具体而言就是重新开放霍尔木兹海峡，保障石油运输和其他途经波斯湾的船舶通行——或有助于缓解美国消费者面临的冲击。
但专家对CBS新闻表示，价格不会立即回落，这对于仍在从疫情引发的通胀冲击中复苏的数百万美国人来说，是一场意料之外的经济压力。
“经济中的许多领域才刚刚开始切实感受到这些新增成本带来的影响，” NerdWallet贷款专家凯特·伍德说道。
以下是伊朗战争冲击美国家庭的三种具体方式：
出行与交通运输
美国汽车协会（AAA）的数据显示，本周五美国汽油均价升至每加仑4.09美元，较战争爆发前上涨了超过1美元，达到2022年8月以来的最高水平。除了让驾车者在加油站的支出增加外，油价上涨还可能抵消许多美国人今年有望获得的大额退税。
“如果运输成本开始上升，其他商品价格也会随之传导上涨，”芝加哥联邦储备银行行长奥斯汀·古尔斯比表示，“因此我认为，消费者会在近期感受到压力——虽然不会立刻显现，但他们终将面临物价冲击。人们原本就高度担忧负担能力和生活成本，这无疑是在伤口上撒盐。”
据AAA数据，广泛应用于农业、建筑业和货运等行业的柴油价格涨幅甚至超过汽油，本周美国均价达到每加仑5.53美元，而一年前仅为3.64美元。
“我甚至开始怀疑，这份工作到底还有多少值得做的意义？”住在达拉斯附近的兼职送货司机菲尔·汉普顿近期对CBS新闻说道，他靠这份额外收入养活一家六口。
全球油价上涨也推高了航空票价，因为航空公司试图抵消占其运营成本约五分之一的航空燃油成本飙升带来的损失。
提供航空数据的平台OAG的数据显示，3月9日当周的全球平均机票价格升至465美元，较去年同期上涨24%。与此同时，捷蓝航空和联合航空等航空公司近期也上调了行李托运费用。
LendingTree近期的一项研究显示，近三分之一的美国人表示，由于燃油成本上涨，他们已经削减了开支和储蓄。尽管数据显示，占美国经济活动约三分之二的消费者支出仍保持坚挺，但经济学家警告称，能源和其他成本的上涨可能会产生负面影响。
“如果消费者信心下降，或是出于其他原因导致消费者开始缩减开支，这对失业率和经济增长都将不是好兆头，”古尔斯比对CBS新闻说道。
运输成本
随着伊朗战争推高全球油价，快递公司已经开始收取燃油附加费——这些成本最终很可能会转嫁给消费者。
美国邮政总局上个月援引能源成本上涨为由，宣布计划对优先快递、优先邮件、美国邮政地面优选服务和包裹精选服务征收8%的附加费。
据美联社报道，电商巨头亚马逊也表示，从4月17日起，将对第三方卖家征收3.5%的燃油附加费，联邦快递和联合包裹（UPS）近期也推出了燃油附加费。
抵押贷款
这场战争冲击美国人钱包的另一个方式是房地产市场：抵押贷款利率在2月底短暂跌破6%后，已经连续五周上涨。
房地美数据显示，30年期固定抵押贷款利率周四达到6.46%，为2025年9月以来的最高水平，对购房者来说无疑是一记重击。
抵押贷款利率通常与美国国债走势同步，由于投资者要求更高的回报以对冲伊朗战争预计引发的通胀，国债收益率已经上升。与抵押贷款利率关联最紧密的10年期美国国债收益率周五达到4.35%，而2月28日战争爆发前仅为3.96%。
“考虑到美国大部分地区的房价已经很高，尤其是首次购房者为了达到购房门槛已经捉襟见肘，对于那些已经接近自身购房预算上限的人来说，月供上涨几乎可以直接打消他们的购房计划，” NerdWallet的伍德说道。
这场战争还可能影响其他借贷成本，因为美联储正在权衡是否降息。美联储在3月份暗示，将在评估伊朗战争对经济的影响期间维持利率不变。在通胀持续走高的担忧下，一些经济学家认为美联储将在2026年全年都维持利率不变。
3 ways the Iran war is hitting Americans’ pocketbooks
April 3, 2026 / 4:44 PM EDT / CBS News
The economic fallout from the Iran war is starting to ripple through the U.S.
“The impact is really widespread and affects everything from mortgage rates to travel to grocery prices and on down the line,” Matt Schulz, chief consumer finance analyst at LendingTree, told CBS News. ” Things were already challenging for a lot of Americans on pretty tight budgets, and this certainly doesn’t help.”
A swift end to the war — specifically, reopening the Strait of Hormuz to facilitate oil flows and other ship traffic traversing the Persian Gulf — could help soften the blow for U.S. consumers.
But experts told CBS News prices would not recede immediately, an unexpected financial strain for the millions of Americans still recovering from the inflationary blast that followed the pandemic.
“Many parts of the economy are just starting to really feel the effects of some of these added costs,” said Kate Wood, a lending expert at NerdWallet.
Here are three ways the Iran war is hitting U.S. households.
Travel and transportation
The average price of gas in the U.S. rose to $4.09 a gallon on Friday, up more than $1 from just before the war and the highest level since August 2022, AAA data shows. Beyond costing motorists more at the pump, the increase could consume the larger tax refunds many Americans are likely to receive this year.
“If transportation costs start rising, it’s going to bleed through in other prices,” said Austan Goolsbee, president of the Federal Reserve Bank of Chicago. “So I think it’s in the near term, but not immediate, that you would start to see that weighing down of the consumer — they would just get sticker shock. People were already highly concerned about affordability and the cost of living, and this would just be piling onto it.”
Diesel, widely used in farming, construction and trucking, among other industries, has risen even more sharply than gas, with the U.S. average this week hitting $5.53 a gallon, up from $3.64 a year ago, according to AAA.
“It got to the point where I was, like, how much should I be doing this at all?” Phil Hampton, who works as a part-time delivery driver near Dallas to make extra money for his family of six, recently told CBS News.
Higher global oil prices are also pushing up the cost of flying as airlines look to offset spiking jet fuel prices, which account for roughly one-fifth of their expenses.
Average global airfare costs rose to $465 the week beginning March 9, up 24% compared with the same time last year, according to OAG, a platform that provides aviation data. Meanwhile, airlines like JetBlue and United also recently hiked their baggage fees.
According to a recent LendingTree study, nearly a third of Americans said they have reduced their spending and savings due to higher fuel costs. Although data shows that consumer spending, which accounts for roughly two-thirds of economic activity, is holding up, economists warn that rising energy and other costs could take a toll.
“If either through a drop in consumer confidence or for other reasons, the consumer started scaling back, that would not bode well for the unemployment rate. That would not bode well for growth,” Goolsbee told CBS News.
Shipping costs
Delivery companies have started tacking on fuel surcharges as the Iran war drives up global oil prices — costs they are likely to pass on to customers.
Citing higher energy costs, the United States Postal Service announced last month that it’s planning to impose an 8% surcharge on Priority Mail Express, Priority Mail, USPS Ground Advantage and Parcel Select services.
E-commerce giant Amazon also said that, beginning April 17, it plans to add a 3.5% fuel surcharge on third-party sellers, while FedEx and UPS have also recently introduced fuel surcharges, according to the Associated Press.
Mortgages
Another way the war is hitting Americans’ pocketbooks is in the housing market, where mortgage rates have risen for five straight weeks after briefly dipping below 6% in late February.
The rate for a 30-year fixed mortgage hit 6.46% on Thursday, according to Freddie Mac, the highest level since September 2025 and a blow for house hunters.
Mortgage rates tend to move in tandem with U.S. government bonds, where yields have risen as investors demand higher returns to offset the inflation they expect to be unleashed by the Iran war. The 10-year Treasury yield, which mortgage rates follow the most closely, was 4.35% on Friday, up from 3.96% just before the war started on February 28.
“Given how high home prices are in much of the United States and how much, particularly first-time home buyers are having a stretch to kind of reach those prices, for folks who are already kind of at the outer limit of their potential homebuying budget, an increase to your monthly payment could be a borderline deal breaker,” NerdWallet’s Wood said.
The war could also impact other borrowing costs, as the Federal Reserve weighs whether to cut interest rates. The central bank indicated in March that it will hold rates steady as it assesses the economic impact of the Iran war. Amid ongoing concerns about rising inflation, some economists believe the central bank will hold off on rate cuts for all of 2026.
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