Puni redoslijed: Koliko kuća mogu priuštiti u prvih 100 metrima?
Tito - Crveno i crno / 09
Sadržaj:
Investmentmatome je procijenio koliko kuća može priuštiti tipična obitelj u svakoj od 100 najboljih metropola nacije.
Upotrebom podataka o dugu, srednjem dohotku, troškovima stanovanja i cijenama za kuću uspjeli smo preporučiti koliko bi obitelji moglo potrošiti dok bi ostale unutar zdravih proračunskih parametara.
Idite na donju tablicu da biste vidjeli podatke o 100 najčešće naseljenih gradskih područja u SAD-u. Da biste pročitali dodatne pojedinosti o 10 najboljih metropola po stanovniku, kliknite ovdje.
Metodologija
Sve preporučene cijene kuća su iz izračuna troškova pristupa našoj web stranici. Preporučena ukupna kućna vrijednost procijenjena je kao iznos predujma i maksimalni konvencionalni zajam s hipotekarnim osiguranjem. Cijena kuće tada je podijeljena Zillowovom prosječnom cijenom po četvornom nivou 2014. za izračunavanje procijenjene veličine.
Izračunavanje kapara Upotrijebili smo 2013. medijski dohodak za obitelji bračnih parova u svakoj podzemnoj željeznici iz Ureda za popis stanovništva SAD-a i prilagodili brojeve pomoću indeksa troškova zaposlenja za BLS 2015. godine.
Prihodi su zatim podeseni tako da uključuju porez na dohodak na savezne države, a porez na dobit nakon umnoška povećan je 10-godišnjom stopom osobne uštede od 4,8% SAD-a za izračun godišnje štednje. Pretpostavili smo da je razdoblje uštede za kupnju kuće 10 godina.
Zatvaranje troškova, za koje se procjenjuje da iznosi oko 3% srednje vrijednosti domaće vrijednosti, odbijeno je od štednje radi izračuna konačnog predujma. Mnogi homebuyers izvještavaju primanje dar od obitelji kako bi se pomoglo u njihovu predujam, tako da naši izračuni mogu biti nešto niži od stvarnog prosjeka.
Izračunavanje vrijednosti stambenog kredita Pretpostavili smo da su svi zajmovi konvencionalni 30-godišnji fiksni hipoteka s kamatnim stopama na temelju državnih prosjeka u razdoblju 2013-2015 iz Zillowa. Omjer duga i dohotka postavljen je na 36%, što je standardni maksimalni iznos koji se koristi u većini kalkulatora pristupačne cijene.
Revolving dug izračunava se pomoću statistike duga nacionalne kreditne kartice od Investmentmatomea i podataka o auto kreditima iz Kreditnog kluba.
Medijan poreza na promet nekretnina obračunava se prema podacima iz popisa stanovništva iz 2013. godine, a osiguravajuće kuće drži iz Zillowa.
Top 100 podzemnih površina stambeno podacima o dostupnosti
Stupac "Pristupačnost kategorije Metro područja" temelji se na rangiranju od 1 do 100, što znači da je veći broj, manje je jeftiniji kupiti kuću u tom gradu.
Metro područje | Populacija | Procijenjeni prihod od obitelji iz 2015 | Prosječna stopa hipoteke | Godišnji porez na imovinu | Predložena mjesečna hipoteka | Predložena cijena kuće | Zillowova cijena za kvadratnu četvrtinu 2014 | Ukupno pristupačne četvornih stopa | Pristup kategoriji dostupnosti Metro područja |
---|---|---|---|---|---|---|---|---|---|
New York-Newark-Jersey City | 19,949,502 | $104,685 | 3.79% | 1.75% | $1,535 | $314,177 | $253 | 1,243 | 92 |
Los Angeles-Long Beach-Anaheim | 13,131,431 | $85,210 | 3.72% | 0.84% | $1,262 | $256,736 | $339 | 757 | 99 |
Chicago Naperville-Elgin | 9,537,040 | $93,163 | 3.73% | 2.12% | $1,407 | $293,626 | $130 | 2,250 | 59 |
Dallas-Fort Worth-Arlington | 6,812,373 | $88,252 | 3.69% | 2.25% | $1,314 | $277,205 | $101 | 2,748 | 28 |
Houston-The Woodlands-Sugar Land | 6,313,158 | $87,709 | 3.69% | 2.35% | $1,299 | $274,540 | $102 | 2,693 | 34 |
Philadelphia-Camden-u Wilmington | 6,034,678 | $102,002 | 3.72% | 1.57% | $1,788 | $366,891 | $129 | 2,837 | 24 |
Washington-Arlington-Aleksandrija | 5,950,214 | $130,388 | 3.83% | 1.00% | $2,564 | $511,656 | $203 | 2,517 | 40 |
Miami-Fort Lauderdale-West Palm Beach | 5,828,191 | $71,749 | 3.79% | 1.35% | $858 | $183,136 | $161 | 1,141 | 94 |
Atlanta-Sandy Springs-Roswell | 5,524,693 | $84,896 | 3.77% | 1.10% | $1,389 | $287,607 | $95 | 3,032 | 14 |
Boston-Cambridge-Newton | 4,684,299 | $114,017 | 3.73% | 1.22% | $1,978 | $402,276 | $224 | 1,794 | 77 |
San Francisco-Oakland-Hayward | 4,516,276 | $120,013 | 3.72% | 0.87% | $2,199 | $438,646 | $402 | 1,091 | 95 |
Phoenix-Mesa-Scottsdale | 4,398,762 | $77,134 | 3.72% | 0.83% | $1,231 | $255,947 | $124 | 2,071 | 66 |
Riverside-San Bernardino-Ontario | 4,380,878 | $74,318 | 3.72% | 1.09% | $1,033 | $216,411 | $164 | 1,321 | 89 |
Detroit Warren-Dearborn | 4,294,983 | $85,835 | 3.71% | 2.03% | $1,423 | $297,141 | $98 | 3,024 | 15 |
Seattle-Tacoma-Bellevue | 3,610,105 | $100,425 | 3.71% | 1.07% | $1,771 | $361,426 | $177 | 2,039 | 68 |
Minneapolis-St. Paul-Bloomington | 3,459,146 | $99,845 | 3.73% | 1.24% | $1,827 | $373,880 | $161 | 2,316 | 58 |
San Diego-Carlsbad | 3,211,252 | $89,030 | 3.72% | 0.85% | $1,400 | $285,000 | $292 | 975 | 97 |
Tampa-St. Petersburg-Clearwater | 2,870,569 | $72,707 | 3.79% | 1.13% | $963 | $204,503 | $102 | 2,008 | 71 |
St. Louisu | 2,799,609 | $85,889 | 3.71% | 1.33% | $1,484 | $307,531 | $105 | 2,928 | 19 |
Baltimore-Columbia-Towson | 2,770,738 | $106,968 | 3.77% | 1.01% | $1,982 | $401,730 | $165 | 2,437 | 49 |
Denver-Aurora-Lakewood | 2,697,476 | $95,134 | 3.70% | 0.72% | $1,708 | $349,661 | $183 | 1,906 | 75 |
Pittsburgh | 2,360,867 | $84,236 | 3.72% | 1.75% | $1,380 | $287,981 | $101 | 2,852 | 22 |
Charlotte-Concord-Gastonia | 2,335,358 | $81,216 | 3.75% | 0.95% | $1,355 | $280,232 | $98 | 2,855 | 21 |
Portland-Vancouver-Hillsboro | 2,315,089 | $86,024 | 3.73% | 1.10% | $1,450 | $297,325 | $168 | 1,765 | 81 |
San Antonio-New Braunfels | 2,277,516 | $77,372 | 3.69% | 2.10% | $1,031 | $220,849 | $103 | 2,136 | 62 |
Orlando-Kissimmee-Sanford | 2,267,846 | $69,193 | 3.79% | 1.18% | $843 | $180,433 | $104 | 1,729 | 82 |
Sacramento-Roseville-Arden-Igre | 2,215,770 | $84,846 | 3.72% | 1.01% | $1,335 | $275,465 | $183 | 1,509 | 84 |
Cincinnati | 2,134,109 | $84,998 | 3.71% | 1.42% | $1,469 | $304,307 | $91 | 3,330 | 7 |
Cleveland-Elyria | 2,064,725 | $85,306 | 3.71% | 1.89% | $1,436 | $298,800 | $85 | 3,504 | 4 |
Kansas City | 2,052,048 | $86,875 | 3.71% | 1.33% | $1,514 | $313,296 | $99 | 3,156 | 10 |
Las Vegas-Henderson-Paradise | 2,027,868 | $70,813 | 3.75% | 1.04% | $1,012 | $212,667 | $109 | 1,957 | 73 |
Kolumbo | 1,967,066 | $86,205 | 3.71% | 1.74% | $1,457 | $302,522 | $96 | 3,140 | 11 |
Indianapolis-Carmel-Anderson | 1,953,613 | $81,523 | 3.74% | 0.98% | $1,425 | $294,318 | $56 | 5,302 | 1 |
San Jose-Sunnyvale-Santa Clara | 1,919,641 | $126,037 | 3.72% | 0.91% | $2,320 | $461,205 | $452 | 1,020 | 96 |
Austin-Round Rock | 1,883,051 | $94,926 | 3.69% | 2.14% | $1,464 | $305,968 | $131 | 2,341 | 56 |
Nashville-Davidson-Murfreesboro-Franklin | 1,757,424 | $79,716 | 3.77% | 0.79% | $1,349 | $277,756 | $111 | 2,508 | 43 |
Virginia Beach-Norfolk-Newport vijest | 1,706,816 | $88,410 | 3.76% | 0.87% | $1,545 | $315,995 | $129 | 2,444 | 48 |
Providnost-Warwick | 1,604,291 | $91,906 | 3.77% | 1.37% | $1,518 | $311,451 | $174 | 1,789 | 78 |
Milwaukee-Waukesha-West Allis | 1,569,659 | $89,148 | 3.71% | 2.00% | $1,465 | $304,133 | $110 | 2,775 | 27 |
Jacksonville | 1,394,624 | $80,602 | 3.79% | 1.06% | $1,202 | $251,143 | $102 | 2,462 | 46 |
Memphis | 1,343,850 | $81,243 | 3.77% | 1.17% | $1,372 | $283,998 | $78 | 3,663 | 2 |
Oklahoma City | 1,319,677 | $77,352 | 3.73% | 1.02% | $1,107 | $234,097 | $95 | 2,476 | 45 |
Louisville / Jefferson County | 1,262,928 | $82,005 | 3.72% | 0.93% | $1,461 | $301,522 | $103 | 2,941 | 18 |
Richmond | 1,248,513 | $92,777 | 3.76% | 0.82% | $1,699 | $346,700 | $117 | 2,973 | 17 |
New Orleans-Metairie | 1,240,977 | $80,869 | 3.71% | 0.64% | $1,213 | $254,613 | $105 | 2,415 | 51 |
Hartford-West Hartford-East Hartford | 1,215,211 | $107,305 | 3.72% | 1.90% | $1,874 | $384,606 | $146 | 2,639 | 35 |
Raleigh | 1,214,516 | $93,928 | 3.75% | 0.86% | $1,721 | $351,588 | $111 | 3,163 | 9 |
Salt Lake City | 1,140,483 | $82,750 | 3.79% | 0.73% | $1,527 | $309,752 | $162 | 1,918 | 74 |
Birmingham-Hoover | 1,140,300 | $77,352 | 3.73% | 0.52% | $1,298 | $269,247 | $96 | 2,812 | 25 |
Buffalo-Cheektowaga-Niagara Falls | 1,134,115 | $82,639 | 3.79% | 2.80% | $1,172 | $247,421 | $96 | 2,582 | 36 |
Rochester | 1,083,278 | $82,996 | 3.79% | 2.98% | $1,152 | $243,462 | $89 | 2,724 | 29 |
Grand Rapids-Wyoming | 1,016,603 | $76,097 | 3.71% | 1.61% | $1,175 | $246,715 | $91 | 2,724 | 30 |
Tucson | 996,554 | $71,862 | 3.72% | 1.03% | $1,048 | $220,605 | $110 | 2,011 | 70 |
Urban Honolulu | 983,429 | $98,278 | 3.74% | 0.30% | $1,792 | $355,429 | $458 | 776 | 98 |
Tulsa | 961,321 | $73,396 | 3.73% | 1.01% | $989 | $210,961 | $87 | 2,416 | 50 |
Fresno | 955,272 | $67,346 | 3.72% | 0.94% | $885 | $187,644 | $128 | 1,464 | 85 |
Bridgeport-Stamford-Norwalk | 939,904 | $131,923 | 3.72% | 1.56% | $2,445 | $494,115 | $245 | 2,014 | 69 |
Worcester | 926,710 | $96,248 | 3.73% | 1.36% | $1,527 | $315,963 | $151 | 2,088 | 65 |
Albuquerque | 901,932 | $76,523 | 3.70% | 0.92% | $1,180 | $246,772 | $103 | 2,385 | 53 |
Omaha-Council Bluffs | 895,999 | $86,412 | 3.77% | 1.99% | $1,454 | $300,614 | $104 | 2,884 | 20 |
Albany-Schenectady-Troy | 877,905 | $96,471 | 3.79% | 2.05% | $1,534 | $317,032 | $133 | 2,380 | 54 |
Bakersfield | 864,124 | $72,359 | 3.72% | 1.17% | $1,027 | $216,759 | $122 | 1,780 | 79 |
New Haven-Milford | 862,287 | $102,014 | 3.72% | 2.02% | $1,681 | $346,967 | $148 | 2,339 | 57 |
Knoxville | 852,147 | $68,397 | 3.77% | 0.66% | $1,039 | $216,679 | $103 | 2,094 | 64 |
Greenville-Anderson-Mauldin | 850,965 | $71,288 | 3.75% | 0.63% | $1,047 | $219,947 | $90 | 2,450 | 47 |
Oxnard-Thousand Oaks-Ventura | 839,620 | $105,622 | 3.72% | 0.84% | $1,872 | $377,639 | $296 | 1,274 | 90 |
El Paso | 831,935 | $56,660 | 3.69% | 2.23% | $436 | $102,383 | $87 | 1,177 | 93 |
Allentown-Betlehemu-Easton | 827,048 | $85,117 | 3.72% | 1.75% | $1,292 | $269,902 | $113 | 2,394 | 52 |
Baton Rouge | 820,159 | $89,174 | 3.71% | 0.54% | $1,487 | $309,078 | $109 | 2,842 | 23 |
McAllen-Edinburg-misija | 815,996 | $47,545 | 3.69% | 2.33% | $202 | $56,067 | $81 | 692 | 100 |
Dayton | 802,489 | $77,732 | 3.71% | 1.82% | $1,246 | $260,906 | $74 | 3,511 | 3 |
Kolumbija | 793,360 | $78,144 | 3.75% | 0.65% | $1,252 | $260,824 | $84 | 3,096 | 13 |
Greensboro-High Point | 741,065 | $71,107 | 3.75% | 0.98% | $1,068 | $223,687 | $89 | 2,500 | 44 |
North Port-Sarasota-Bradenton | 732,535 | $70,933 | 3.79% | 1.08% | $896 | $190,492 | $142 | 1,339 | 88 |
Little Rock-Sjeverna Little Rock-Conway | 723,743 | $74,417 | 3.72% | 0.70% | $1,113 | $234,257 | $91 | 2,570 | 37 |
Charleston-Sjeverni Charleston | 712,220 | $85,322 | 3.75% | 0.58% | $1,451 | $299,057 | $142 | 2,106 | 63 |
Akron | 705,686 | $82,994 | 3.71% | 1.67% | $1,399 | $291,020 | $83 | 3,497 | 5 |
Stockton-Lodi | 704,379 | $72,839 | 3.72% | 1.16% | $999 | $210,249 | $151 | 1,393 | 86 |
Colorado Springs | 678,319 | $84,276 | 3.70% | 0.54% | $1,436 | $296,521 | $116 | 2,548 | 39 |
Syracuse | 661,934 | $83,982 | 3.79% | 2.75% | $1,214 | $255,657 | $94 | 2,713 | 32 |
Cape Coral-Fort Myers | 661,115 | $67,644 | 3.79% | 1.22% | $803 | $172,346 | $127 | 1,357 | 87 |
Winston-Salem | 650,820 | $69,819 | 3.75% | 0.89% | $1,039 | $217,869 | $87 | 2,512 | 41 |
Boise City | 649,321 | $70,180 | 3.73% | 0.82% | $1,078 | $225,009 | $104 | 2,158 | 61 |
Wichita | 637,989 | $77,824 | 3.74% | 1.35% | $1,312 | $272,541 | $87 | 3,138 | 12 |
Madison | 627,431 | $94,013 | 3.71% | 1.95% | $1,589 | $327,927 | $138 | 2,379 | 55 |
Springfield | 626,915 | $88,222 | 3.73% | 1.45% | $1,313 | $274,285 | $140 | 1,964 | 72 |
Lakeland-Winter Haven | 623,009 | $59,644 | 3.79% | 1.06% | $609 | $134,862 | $88 | 1,531 | 83 |
Ogden-u Clearfield | 621,853 | $80,152 | 3.79% | 0.72% | $1,468 | $298,661 | $136 | 2,202 | 60 |
Toledo | 608,145 | $76,865 | 3.71% | 1.82% | $1,226 | $257,171 | $78 | 3,295 | 8 |
Deltona-Daytona Beach-Ormond Beach | 600,756 | $59,125 | 3.79% | 1.10% | $565 | $125,754 | $100 | 1,261 | 91 |
Des Moines-Zapad Des Moines | 599,789 | $90,831 | 3.74% | 1.68% | $1,596 | $328,928 | $122 | 2,700 | 33 |
Augusta-Richmond County | 581,551 | $75,622 | 3.77% | 0.84% | $1,172 | $244,923 | $82 | 2,973 | 16 |
Jackson | 578,361 | $75,439 | 3.71% | 0.75% | $1,178 | $247,413 | $97 | 2,559 | 38 |
Provo-Orem | 562,338 | $74,639 | 3.79% | 0.61% | $1,310 | $266,506 | $130 | 2,055 | 67 |
Scranton-Wilkes-Barre-Hazleton | 562,037 | $71,506 | 3.72% | 1.46% | $1,028 | $217,267 | $86 | 2,512 | 42 |
Harrisburg-Carlisle | 557,711 | $85,601 | 3.72% | 1.40% | $1,419 | $294,572 | $106 | 2,788 | 26 |
Youngstown-Warren-Boardman | 555,506 | $66,698 | 3.71% | 1.52% | $975 | $206,727 | $59 | 3,497 | 6 |
Palm Bay-Melbourne-Titusville | 550,823 | $69,232 | 3.79% | 1.05% | $876 | $187,057 | $99 | 1,891 | 76 |
Chattanooga | 540,387 | $73,732 | 3.77% | 0.83% | $1,184 | $245,812 | $90 | 2,722 | 31 |
Spokane-Spokane Valley | 535,189 | $72,251 | 3.71% | 1.09% | $1,044 | $219,467 | $124 | 1,774 | 80 |
Slika putem iStock.