Kedudukan penuh: Berapa Banyak Rumah Bolehkah saya Berjaya di Top 100 Metros?

Investmentmatome menilai berapa banyak rumah keluarga yang tipikal di setiap kawasan 100 metro di negara itu mampu.

Dengan menggunakan data mengenai hutang, pendapatan median, kos perumahan dan harga rumah, kami dapat mencadangkan berapa banyak keluarga yang boleh dibelanjakan sambil kekal dalam parameter bajet yang sihat.

Pergi ke jadual di bawah untuk melihat data mengenai 100 kawasan metropolitan yang paling ramai penduduk di A.S. Untuk membaca butiran tambahan mengenai 10 kawasan metro teratas oleh penduduk, klik di sini.

Metodologi

Semua harga rumah yang dicadangkan adalah dari pengiraan kemampuan rumah di laman web kami. Nilai rumah yang dianjurkan dianggarkan sebagai jumlah bayaran pendahuluan dan pinjaman konvensional maksimum dengan insurans hipotek. Harga rumah kemudiannya dibahagikan dengan purata harga 2014 bagi setiap kaki persegi untuk mengira saiz anggaran.

Mengira bayaran ke bawah Kami menggunakan pendapatan purata 2013 untuk keluarga pasangan suami isteri di setiap kawasan metro dari Biro Banci A.S. dan menyesuaikan angka menggunakan indeks kos pekerjaan BLS 2015.

Pendapatan kemudian diselaraskan untuk memasukkan cukai pendapatan persekutuan, dan angka selepas cukai didarabkan oleh kadar simpanan peribadi 10 tahun A.S. sebanyak 4.8% untuk mengira simpanan tahunan. Kami mengandaikan tempoh simpanan untuk membeli rumah adalah 10 tahun.

Kos penutupan, dianggarkan kira-kira 3% daripada nilai rumah median, ditolak daripada simpanan untuk mengira bayaran pendahuluan akhir. Banyak pembeli rumah melaporkan menerima hadiah dari keluarga untuk membantu dalam pembayaran awal mereka, jadi pengiraan kami mungkin sedikit lebih rendah daripada purata sebenar.

Mengira nilai pinjaman rumah Kami menganggap semua pinjaman adalah gadai janji tetap 30 tahun yang konvensional dengan kadar faedah berdasarkan purata negeri 2013-2015 dari Zillow. Nisbah hutang kepada pendapatan ditetapkan pada 36%, iaitu jumlah maksimal standard yang digunakan dalam kebanyakan kalkulator kemampuan rumah.

Hutang pusingan dikira menggunakan statistik hutang kad kredit kebangsaan daripada Investmentmatome dan data pinjaman automatik dari Kelab Pinjaman.

Cukai hartanah median dikira oleh kawasan metro dari data banci 2013, dan insurans pemilik rumah adalah dari negeri dari Zillow.

Top 100 metro kawasan perumahan data kemampuan

Lajur "kedudukan pangkat kemampuan Metro" didasarkan pada kedudukan 1-100, yang bermaksud semakin tinggi jumlahnya, yang kurang mampu untuk membeli sebuah rumah di bandar itu.

Kawasan Metro	Penduduk	Anggaran pendapatan keluarga 2015	Purata kadar gadai janji	Cukai harta tahunan	Cadangan gadai janji bulanan	Harga rumah yang disyorkan	Harga Zillow 2014 setiap kaki persegi	Jumlah kaki persegi yang berpatutan	Pangkat keupayaan kawasan Metro
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-Wilmington	6,034,678	$102,002	3.72%	1.57%	$1,788	$366,891	$129	2,837	24
Washington-Arlington-Alexandria	5,950,214	$130,388	3.83%	1.00%	$2,564	$511,656	$203	2,517	40
Miami-Benteng 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 Louis	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-Arcade	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
Columbus	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 News	1,706,816	$88,410	3.76%	0.87%	$1,545	$315,995	$129	2,444	48
Providence-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
Bandar 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-Bethlehem-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-Mission	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
Columbia	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-North Little Rock-Conway	723,743	$74,417	3.72%	0.70%	$1,113	$234,257	$91	2,570	37
Charleston-North 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-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
Pantai Deltona-Daytona-Ormond Beach	600,756	$59,125	3.79%	1.10%	$565	$125,754	$100	1,261	91
Des Moines-West 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

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