美国现有家庭销售下跌至一年内最缓慢的速度

八月销售退出

Sales of previously occupied US homes fell 2 percent in August from July to a seasonally adjusted annual rate of 3.98 million, according to National Association of Realtors data reported by the Guardian on September 10. It was the third consecutive monthly decline and the slowest annual pace in more than a year. Sales were also 1.2 percent below their August 2025 level.

每月的弱点并不意味着每个测量都恶化。 2026年第一八个月的销售额仍然超过2025年相似期间的1.6%。 然而,八月的速度低于经济学家的预期,大约有四百万交易,远远低于报告中提到的长期标准,强调持续昂贵的融资如何改变住房交易。

价格和贷款费用让买家感到困惑

报告周期间,30年平均抵押贷款率达到6.76%,这是14个月内最高点。 《卫报》将重复的上涨与长期债券收益和与能源价格相关的通货膨胀担忧有关。 许多八月完成之前会达成协议,当抵押贷款率一般在6.43%和6.66%之间。

Prices continued to increase despite fewer transactions. The median existing-home price rose 1.6 percent from a year earlier to $429,100, described as a record for August in data extending to 1999. First-time buyers accounted for 30 percent of purchases, still well below the roughly 40 percent historical share cited by the report. Taxes and insurance costs add further pressure beyond mortgage payments.

更多存储,但还不是一个便宜的市场

There were 1.62 million unsold homes at the end of August, up 3.2 percent from July and 5.9 percent from a year earlier. At the current sales pace that represents 4.9 months of supply, the highest in more than a decade and within the range usually associated with a balanced market. Buyers who can secure financing may therefore gain more choice and negotiating leverage.

联邦政策明确试图减少抵押贷款障碍。 白宫命令指示监管机构考虑加强规则、加强社区银行参与以及扩大住房融资流动性的措施。 该政策文件不独立验证八月的行业统计数据,政府对原因的声明仍然是政治声明。 下一个要观察的指标是抵押贷款利率运动,秋季存储,以及增加供应是否最终缓慢价格增长。