年入14万美元也不买房？美国高收入者为何选择租房

Core Insights - The trend of "wealthy renters" is rapidly increasing across multiple cities in the U.S. as high-income individuals opt for renting over buying due to rising housing costs [1][3] Group 1: Rental Trends - From 2019 to 2023, the proportion of high-income residents choosing to rent has significantly increased in major metropolitan areas [3] - In cities like San Jose, California, the median home price has surpassed $1.4 million, making renting a more financially viable option, costing about 10.5% of annual income compared to over 21% for buying [3] - Cities with high proportions of wealthy renters include San Jose, Orlando, San Francisco, New York City, and Seattle [3] Group 2: Economic Factors - In contrast, smaller cities in the Midwest and Northeast, such as Oklahoma City and Cincinnati, have lower proportions of high-income renters [4] - Redfin defines "high-income renters" as those in the top 20% of local household income, with an example from Pittsburgh where an income over $145,000 is nearly four times the local home-buying threshold [4] - Factors influencing the preference for renting include rising home purchase costs (median required income for buying has increased by 36.9% since 2019, while rent has only risen by 28.1%) and high mortgage rates nearing 7% [4] - High-income individuals prefer to invest liquid assets in higher-return projects rather than locking them into real estate [4]