Volledige ranglijst: Hoeveel huis kan ik me veroorloven in de top 100 metro's?
Hoeveel kan ik maximaal lenen?
Inhoudsopgave:
Investmentmatome beoordeelde hoeveel huis een typisch gezin in elk van de top 100 van de Verenigde Staten van Amerika zich kan veroorloven.
Met behulp van gegevens over schulden, mediaaninkomen, woonlasten en huizenprijzen konden we aanbevelen hoeveel gezinnen konden uitgeven terwijl ze binnen gezonde budgetparameters bleven.
Ga naar de onderstaande tabel om de gegevens van de 100 meest bevolkte grootstedelijke gebieden in de Verenigde Staten te bekijken. Klik hier voor meer informatie over de tien belangrijkste stedelijke gebieden per populatie.
Methodologie
Alle aanbevolen huizenprijzen zijn afkomstig van onze betaalbaarheidsberekeningen voor thuis. De aanbevolen totale woningwaarde werd geschat als de som van de aanbetaling en de maximale conventionele lening met hypotheekverzekering. De huizenprijs werd vervolgens gedeeld door het gemiddelde prijsniveau per vierkante voet 2014 van Zillow om de geschatte omvang te berekenen.
Berekening vooruitbetaling We gebruikten het mediaaninkomen van 2013 voor gehuwde gezinnen in elk metrogebied van het Amerikaanse Census Bureau en pasten de cijfers aan met behulp van de BLS-index voor de werkgelegenheid van 2015.
Inkomens werden vervolgens aangepast om federale inkomstenbelasting te omvatten, en het cijfer na belastingen werd vermenigvuldigd met de 10-jarige persoonlijke spaarquote van de VS van 4,8% om jaarlijkse besparingen te berekenen. We hebben ervan uitgegaan dat de spaarperiode om een huis te kopen tien jaar is.
Afsluitingskosten, geschat op ongeveer 3% van de mediane woningwaarde, werden in mindering gebracht op de besparingen om de uiteindelijke aanbetaling te berekenen. Veel huizenkopers melden dat ze een geschenk van familie hebben ontvangen om te helpen bij hun aanbetaling, dus onze berekeningen kunnen iets lager zijn dan het werkelijke gemiddelde.
De waarde van de woningkrediet berekenen We veronderstelden dat alle leningen conventionele 30-jarige vaste hypotheken zijn met rentetarieven op basis van de staatsgemiddelden van 2013-2015 van Zillow. De verhouding tussen schulden en inkomen is vastgesteld op 36%, het standaardmaximum dat wordt gehanteerd in de meeste berekeningsprogramma's voor woningbetalingen.
Doorlopende schuld werd berekend met behulp van nationale creditcardschuldstatistieken van Investmentmatome en gegevens van automatische leningen van Lending Club.
Mediaan onroerendgoedbelasting wordt berekend door het metrogebied vanaf 2013 census gegevens, en huiseigenaren verzekering is door de staat van Zillow.
Top 100 metrogebieden met betaalbaarheidsgegevens
De kolom 'Betaalbaarheid van het betaalbaarheidsgebied' is gebaseerd op een rangorde van 1-100, wat betekent dat hoe hoger het aantal, hoe minder betaalbaar het is om een huis in die stad te kopen.
| metro gebied | Bevolking | Geschat gezinsinkomen 2015 | Gemiddelde hypotheekrente | Jaarlijkse onroerendgoedbelasting | Voorgestelde maandelijkse hypotheek | Aanbevolen huisprijs | De prijs van Zillow voor 2014 per vierkante voet | Totaal betaalbare vierkante voet | Toegankelijkheidscategorie Metro-gebied |
|---|---|---|---|---|---|---|---|---|---|
| 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-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. 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 stad | 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 | 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 stad | 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 |
| Zout meer stad | 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-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-missie | 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 |
| Deltona-Daytona Beach-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 |
Afbeelding via iStock.
