连结：
www.nytimes.com/2023/01/25/realestate/rent-burdened-american-households.html
内文：
The Typical American Renter Is Now Rent-Burdened, a Report Says
Moody’s Analytics finds that renters in the U.S. now pay 30 percent of the
median income for the average rent.
穆迪的研究发现，美国租客现在要为平均租金支出付出中位数收入的三成
By Anna Kodé
Jan. 25, 2023
The typical American renter is now rent-burdened — meaning that 30 percent
of the median U.S. income is required to pay the average rent, according to a
new report from Moody’s Analytics.
“This 30 percent is a symbolic threshold, a milestone,” said Thomas
LaSalvia, the director of economic research at Moody’s.
Reaching this threshold puts typical American renters — who earn the median
income and pay the average rent — where they have never been before, Mr.
LaSalvia said. (According to the Pew Research Center, about 36 percent of
American households rented, rather than owned, their homes in 2019, the last
year that reliable data was available from the Census Bureau.) Moody’s first
started tracking the metric in 1999, when the typical rent-to-income ratio
was 22.5 percent.
The rent-to-income ratio was calculated by comparing the national median
household income, $71,721, with the average monthly rent, $1,794, for 2022.
The current 30 percent figure is an increase from 28.5 percent in 2021, and
from 25.7 percent in 2020. In 2019, before the pandemic, renters with the
median income would be spending 27.2 percent of their income on the average
rent.
“The rent-to-income ratio continued to climb up because income growth was
not able to catch up with the rent growth,” said Lu Chen, a senior economist
at Moody’s Analytics.
The United States Department of Housing and Urban Development has defined
rent-burdened families as those who spend more than 30 percent of their
household income on housing and “may have difficulty affording necessities
such as food, clothing, transportation, and medical care.”
“We’ve been moving in this direction for decades,” said Martha Galvez, the
executive director of the Housing Solutions Lab at New York University’s
Furman Center. “Since the ’70s, rents have been rising faster than incomes.
And among lower-income households, high rent burdens have been the norm for a
long time.”
Ms. Chen also noted that the disappearance of “Covid discounts” in many
major cities contributed to the burden. “The second half of 2021 is where we
saw a lot of the reverse migration happening in many places in the country,
with many residents taking advantage of the Covid discounts for rents in the
hottest areas, like New York, Jersey, Boston,” she said.
As renters migrated back into populous metropolitan areas, Covid restrictions
were loosened and rents started to creep back up.
“The places where you saw the biggest decline in rent are now seeing the
biggest increase in rents,” Ms. Chen said.
Residents in some cities are more rent burdened than others. In New York, for
example, the rent-to-income ratio in 2022 was 68.5 percent, the Moody’s
report found. It was followed by Miami at 41.6 percent, Fort Lauderdale at
36.7 percent and Los Angeles at 35.6 percent.
Anna Kodé is a reporter for the Real Estate section of The Times. She writes
about design trends, housing issues and the relationship between identity and
home. @anna_p_k
A version of this article appears in print on Jan. 29, 2023, Section RE, Page
2 of the New York edition with the headline: Rent-to-Income Ratio Continues
to Climb.
心得：
美国租金占家庭收入三成，不能进科技业的台湾文组可以考虑在园区附近买三间"平均"
房屋；这样或许可以得到90%的园区家庭"平均"收入，减缓文理组薪资落差带来的伤害。
台湾租金目前应该是被低估不少，租金补贴政策或许能让rent-to-income均值回归。
以台北市为例，台北市政府主计处家庭收支调查指出110年台北市平均每户家庭可支配所
得为143.06万元；因此合理中位数年租金应该在 143万 X 30% =42.9万左右。
若考虑到台北市为我国政治、经济中心，rent-to-ratio 的值应可再提高。