10 Asmeskas kev lag luam vaj tsev uas txias tshaj plaws

Tom qab staggering kev loj hlob thaum muaj kev sib kis, US tsev nyob Boismarket pib txias - thiab nws tau tshwm sim sai tshaj plaws nyob rau sab hnub poob ntug dej hiav txwv.

Kev lag luam vaj tsev ceev tshaj plaws yog San Jose, California, raws li a tshiab Redfin tsom xam, uas tau txheeb xyuas Tebchaws Asmeskas cov khw muag khoom hauv nroog raws li tus nqi muag khoom nruab nrab, kev hloov pauv ntawm cov khoom muag txhua xyoo thiab lwm yam ntawm lub Ob Hlis thiab Tsib Hlis 2022.  

Rau ntawm 10 lub lag luam saum toj kawg nkaus yog nyob hauv California, suav nrog peb hauv Bay Area, nrog rau plaub lub nroog sab hnub poob sib sau ua ke. 

Ntxiv ntawm Nyiaj Txiag:
Cov kws tshaj lij daws peb cov lus nug nyuaj txog Series I daim ntawv cog lus
Yog tias koj tab tom mus rau txoj haujlwm tshiab, tsis txhob hnov ​​​​qab txog koj 401 (k)
Cov 4 cov tswv yim them se ib nrab xyoo no tuaj yeem txo cov nqi xyoo tom ntej los ntawm IRS

Los ntawm kev sib piv, Albany, New York, yog lub lag luam qis tshaj plaws hauv tsev, ua raws li El Paso, Texas, thiab Bridgeport, Connecticut, Redfin txoj kev tsom xam pom.

Ib qho ntawm cov laj thawj tseem ceeb rau kev txias thoob plaws hauv lub tebchaws yog nce cov paj laum, uas tau ua rau "tus nqi pheej yig," said Melissa Cohn, tus lwm thawj coj hauv cheeb tsam ntawm William Raveis Mortgage.

Qhov tseeb tiag, thaj chaw muaj nqi, xws li Northern California, uas cov tsev yuav yooj yim muag rau $ 1 lab txog $ 1.5 lab lossis siab dua, tau nyuaj dua los ntawm 30-xyoo cov nqi tsev qiv nyiaj nce mus txog 6%, daim ntawv tshaj tawm pom.

Piv txwv li, yog tias koj tab tom yuav ib lab-duas tsev nrog 20% ​​nqes them, koj cov nyiaj them nqi tsev txhua hli yuav yog kwv yees li $ 5,750 nrog 6% tus paj laum, nyob ntawm cov se thiab nyiaj pov hwm tus tswv tsev, uas yog $ 1,400 siab dua 3% paj laum, raws li tsab ntawv ceeb toom.

Ntawm no yog Asmeskas kev lag luam uas tau txias tshaj xyoo dhau los, raws li Redfin, thiab lawv cov nqi muag nruab nrab txij li lub Tsib Hlis 2022.

1. San Jose, California — $1,560,000
2. Sacramento, California — $610,000
3. Oakland, California — $1,070,000
4. Seattle, Washington — $850,000
5. Stockton, California — $576,000
6. Boise, Idaho - $550,000
7. Denver, Colorado — $612,000
8. San Diego, California — $875,000
9. Tacoma, Washington — $575,000
10. San Francisco, California — $1,620,000

Ntawm no yog Asmeskas kev lag luam uas tau qeeb tshaj plaws kom txias tshaj xyoo dhau los, raws li Redfin, thiab lawv cov nqi muag khoom nruab nrab txij li lub Tsib Hlis 2022.

1. Albany, New York — $289,000
2. El Paso, Texas — $238,000
3. Bridgeport, Connecticut — $570,000
4. Lake County, Illinois - $324,400
5. Rochester, New York — $212,100
6. New Brunswick, New Jersey — $465,000
7. Cincinnati, Ohio — $265,000
8. Akron, Ohio — $200,000
9. New Haven, Connecticut — $310,000
10. Virginia Beach, Virginia - $325,000

Txawm hais tias kev loj hlob tuaj yeem qeeb hauv qee qhov kev lag luam, cov kws tshaj lij tseem tsis xav tias yuav poob qis hauv ntau lub khw.

"Ib qho ntawm cov laj thawj vim li cas peb tau muaj qhov frothy, overheated ua lag luam tsuas yog tsis muaj cov khoom muag," Cohn hais.

Txog qhov ntawd, hauv Redfin qhov kev tshuaj xyuas, qee qhov kev lag luam nrawm dua tau pom ntau cov khoom muag tuaj ntawm khw. Hauv Seattle, piv txwv li, cov khoom muag tau nce 40.9% los ntawm xyoo dhau los.

Cov nqi tsev tseem nce ntxiv, txawm tias ntau maj mam. Qhov kev cia siab rau ib xyoo nruab nrab tus nqi tsev loj hlob poob mus rau 4.4% los ntawm 5.8% nyob rau lub Rau Hli, raws li Tsoom Fwv Teb Chaws Reserve Bank of New York's Kev soj ntsuam ntawm cov neeg siv khoom cia siab. 

Cohn hais tias, "Qhov nrawm ntawm tus nqi nce yuav poob qis," said Cohn, kwv yees "kev noj qab haus huv zoo" ntawm kev lag luam vaj tsev.

Nrog ntau tus neeg yuav khoom them nyiaj hauv ob peb xyoos dhau los, qee tus neeg yuav khoom tau zam kev ntsuas, tshuaj xyuas lossis txawm tias pom lub tsev ntawm tus kheej.

Txawm li cas los xij, kev hloov pauv hauv kev ua lag luam tuaj yeem muab sijhawm rau cov neeg yuav khoom ntxiv sijhawm pom cov khoom, ua qhov kev thov thiab yuav lub tsev zoo, Cohn tau hais.

Yog tias koj nyuam qhuav yuav ib lub tsev, tej zaum koj yuav muaj kev txhawj xeeb txog lub tsev tus nqi yav tom ntej, tshwj xeeb tshaj yog nyob rau hauv kev ua lag luam txias. 

"Qhov xov xwm zoo yog tias cov neeg yuav khoom no feem ntau yuav raug kaw rau hauv tus nqi qis dua, yog li cov nyiaj them yuav tsum tswj tau ntau dua li ib tus neeg yuav tam sim no," said Matthew Chancey tus kws npaj nyiaj txiag uas tau lees paub nrog CoastalOne hauv Tampa, Florida.

Yog tias koj overbid ntawm cov cuab yeej, koj yuav yog "hauv qab dej" hauv lub sijhawm luv, txhais tau tias koj tshuav nqi ntau dua li lub tsev tsim nyog, nws hais.

Qhov ntawd tsis yog qhov xwm txheej uas koj yuav tsum tau maj mam kho. Kyle Newell, tus Orlando, Florida-based CFP thiab tus tswv ntawm Newell Wealth Management tau hais tias cov tswv tsev hauv qab dej yuav tsum funnel nyiaj ntxiv rau hauv kev khaws cia rau thaum muaj xwm txheej ceev, xws li kev poob haujlwm, tsis yog kev sib tw kom them nqi tsev.

Cov kws tshaj lij feem ntau pom zoo kom tso tseg peb mus rau rau lub hlis ntawm cov nuj nqis nyob. Tab sis qee tus kws pab tswv yim qhia ntau ntxiv rau kev hloov pauv ntxiv.