Qhov no yog raws nraim li cas cov nyiaj tau los hauv tsev tau coj mus rau lub rooj sib tham

Cov nyiaj tau los nruab nrab hauv tsev neeg hauv Asmeskas yog kwv yees li $ 68,000, raws li rau Census Bureau - tab sis qhov ntawd yuav tsis txaus los pab koj yuav tsev hnub no. Qhov tseeb, txawm tias qhov nruab nrab cov nqi tsev qiv nyiaj tseem tuav qis dua 5% (saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no) rau lub sijhawm tam sim no (nco ntsoov tias cov neeg muaj txiaj ntsig xav kom lawv nce siab), ntau tus neeg yuav khoom tsis ntev los no tau muaj rau-daim duab cov nyiaj tau los, raws li 2022 Cov Neeg Yuav Khoom Hauv Tsev thiab Cov Neeg Muag Khoom Tshaj Tawm Tshaj Tawm los ntawm National Association of Realtors Research Group, uas tau xaiv 5,795 qhov chaw nyob tsis ntev los no. cov neeg yuav khoom hauv tsev.

Ib nrab ntawm cov neeg yuav khoom muaj cov nyiaj tau los hauv tsev tsawg kawg yog $ 100,000, qhov kev tshawb fawb tau tshaj tawm, thaum ze li ntawm 7 ntawm 10 tau khwv tau ntau dua $ 75,000, qhov kev tshawb fawb pom. (Nco ntsoov tias NAR kuj tau tshaj tawm tias "rau cov tsev neeg khwv tau $ 75,000 txog $ 100,000, muaj ib daim ntawv teev nqi pheej yig muaj rau txhua 65 tsev neeg - qhov muaj nqis tsawg heev los ntawm ib daim ntawv teev nqi pheej yig rau txhua 24 tsev neeg hauv 2019 rau pawg nyiaj tau los no."). Thiab cov nyiaj tau los nruab nrab ntawm cov neeg yuav tsev tau nce ntawm 2019 thiab 2020, los ntawm $ 96,500 txog $ 102,000, raws li. Brandi Snowden, NAR tus thawj coj ntawm cov tswv cuab thiab cov neeg siv khoom tshawb fawb tshawb fawb tau hais tias "Peb tau pom cov nyiaj tau los nruab nrab ntawm cov xyoo dhau los, thiab peb tuaj yeem pom qhov txuas ntxiv no," 

Tsev neeg cov nyiaj tau los ntawm cov neeg yuav khoom hauv tsev

Cov nyiaj khwv tau los	Feem pua ​​ntawm cov neeg yuav khoom
Tsawg dua $ 25,000	2%
$ 25,000 - $ 34,999	3%
$ 35,000 - $ 44,999	5%
$ 45,000 - $ 54,999	7%
$ 55,000 - $ 64,999	7%
$ 65,000 - $ 74,999	7%
$ 75,000 - $ 84,999	8%
$ 85,000 - $ 99,999	10%
$ 100,000 - $ 124,999	14%
$ 125,000 - $ 149,999	10%
$ 150,000 - $ 174,999	8%
$ 175,000 - $ 199,999	5%
$ 200,000 los yog ntau tshaj	13%

Tau qhov twg los: National Association of Realtors Research Group

Lwm qhov kev tshawb fawb muab tso rau feem ntawm cov neeg yuav tsev nrog $ 100,000+ hauv tsev neeg cov nyiaj tau los qis dua, tab sis tseem siab. 2021 kev tshawb fawb los ntawm Zillow pom tias 43% ntawm cov neeg yuav khoom hauv tsev muaj cov nyiaj tau los ntawm tsev neeg txhua xyoo ntawm $ 100,000 lossis ntau dua, nrog rau cov nyiaj tau los hauv tsev neeg nruab nrab ntawm cov neeg yuav khoom ntaus kwv yees li $ 86,000. Ntau tshaj li peb feem plaub ntawm cov neeg yuav khoom hauv daim ntawv ntsuam xyuas no muaj tsev neeg cov nyiaj tau los ntau dua $50,000.

Dab tsi ntxiv, tus nqi koj yuav tsum tau txuag rau kev them nyiaj poob qis tau nce ib yam. Raws li cov ntaub ntawv los ntawm lub tuam txhab cov ntaub ntawv vaj tsev ATTOM Data Solutions, qhov nruab nrab ntawm cov nyiaj them poob haujlwm ntawm tsev neeg ib leeg yuav nrog nyiaj txiag hauv lub quarter thib plaub ntawm 2021 yog $ 26,000, nce 18.8% feem pua ​​​​ntawm lub quarter thib plaub ntawm 2020.

Rau cov neeg tom qab kev lag luam vaj tsev, cov nuj nqis no tuaj yeem tsis xav tsis thoob: Cov nqi tsev nce 14.6% hauv 2021 txog $ 361,700, raws li NAR, thiab yog li nws yuav xav tau cov nyiaj tau los ntau dua kom tau txais cov khoom ntaiv. Edward Seiler, Tus Lwm Thawj Coj Tus Thawj Coj ntawm Lub Tsev Haujlwm Saib Xyuas Kev Lag Luam Hauv Tsev tau hais tias "Qhov kev pheej hmoo ntawm tsev neeg tau poob qis vim qhov nce ceev ntawm cov nqi tsev qiv nyiaj thaum muaj kev nce nqi hauv tsev," Thiab qhov tseeb cov ntaub ntawv los ntawm MBA pom tias kev them nyiaj nruab nrab ntawm lub tebchaws tau thov los ntawm cov neeg vam tias yuav tau txais qiv nyiaj yog $ 1,653 hauv Lub Ob Hlis, nce ntawm $ 1,526 thaum Lub Ib Hlis, $ 1,383 thaum Lub Kaum Ob Hlis 2021, thiab $ 1,316 hauv Lub Ob Hlis 2021. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.)

Tej zaum koj yuav tau saib koj cov nyiaj tau los, thiab xav paub ntau npaum li cas koj tuaj yeem siv tau hauv tsev. Paub tias nws tsis yog kev suav txog cov nyiaj tau los lossis kev them nqi qis xwb. Tseeb tiag, raws li kev tshawb fawb los ntawm NerdWallet, Qhov No. 1 yog vim li cas tib neeg tsis kam txais qiv nyiaj yog vim lawv cov nuj nqis-rau-cov nyiaj tau los piv (DTI), uas sib piv koj tshuav nyiaj li cas txhua hli rau koj khwv tau npaum li cas. Qhov zoo tshaj DTI yog 36% lossis qis dua thiab tuaj yeem nce ntxiv los ntawm kev ntxiv koj cov nyiaj them txhua hli xws li tsev qiv nyiaj, qiv nyiaj tub ntxhais kawm, them credit card thiab lwm yam nuj nqis thiab faib tus lej ntawd los ntawm koj cov nyiaj tau los tag nrho txhua hli.