【文章标题】：Mapped: Where Young Americans Are Buying Homes 地图：美国年轻人在哪里买房？
【文章正文】： Mapped: Where Young Americans Are Buying Homes 地图：美国年轻人在哪里买房？
Key Takeaways 关键要点
-
North Dakota has the highest share of mortgage applicants under age 35, at 28%, followed by West Virginia at 27%.
-
北达科他州35岁以下抵押贷款申请人的比例最高，为28%，其次是西弗吉尼亚州，为27%。
-
Younger applicants tend to make up a larger share of the mortgage market in more affordable states, while expensive markets like California and Hawaii rank near the bottom.
-
在房价更可负担的州，年轻申请人往往在抵押贷款市场中占据更大份额，而加利福尼亚州和夏威夷州等昂贵市场则排名靠后。
-
Utah stands out as an exception, ranking in the top 10 despite a typical home value above $540,000.
-
犹他州是一个例外，尽管典型房屋价值超过54万美元，但仍跻身前十。
Buying a home remains challenging for younger Americans as home prices and borrowing costs stay elevated. 由于房价和借贷成本持续高企，美国年轻人买房仍然面临挑战。
This map ranks all 50 states by the share of mortgage applicants who were under age 35 in 2025. The data for this visualization comes from SmartAsset, based on an analysis of 2025 Home Mortgage Disclosure Act (HMDA) data. Home values come from Zillow’s Home Value Index as of April 2026. 这张地图根据2025年35岁以下抵押贷款申请人的比例对全美50个州进行排名。该可视化的数据来自SmartAsset，基于对2025年《住房抵押贷款披露法》（HMDA）数据的分析。房屋价值来自Zillow房屋价值指数（截至2026年4月）。
Young Buyers Lead in More Affordable States 年轻买家在房价更可负担的州领先
Many of the states near the top of the ranking have relatively affordable housing markets. 排名靠前的许多州拥有相对可负担的住房市场。
| Rank | State | Mortgage applicants under 35 (2025) | Typical home value |
|---|---|---|---|
| 1 | North Dakota | 28% | $286,406 |
| 2 | West Virginia | 27% | $174,876 |
| 3 | Nebraska | 26% | $279,080 |
| 4 | Iowa | 26% | $234,891 |
| 5 | South Dakota | 25% | $319,255 |
| 6 | Kentucky | 25% | $232,231 |
| 7 | Minnesota | 24% | $350,891 |
| 8 | Alaska | 24% | $390,107 |
| 9 | New Mexico | 24% | $317,474 |
| 10 | Utah | 24% | $540,993 |
| 11 | Oklahoma | 24% | $221,765 |
| 12 | Kansas | 23% | $246,369 |
| 13 | Indiana | 23% | $256,584 |
| 14 | Louisiana | 23% | $214,727 |
| 15 | Missouri | 23% | $265,398 |
| 16 | Wyoming | 23% | $363,685 |
| 17 | Mississippi | 23% | $194,242 |
| 18 | Texas | 23% | $302,187 |
| 19 | Michigan | 23% | $263,590 |
| 20 | Arkansas | 22% | $222,300 |
| 21 | Ohio | 22% | $244,844 |
| 22 | Alabama | 22% | $236,705 |
| 23 | Illinois | 22% | $290,210 |
| 24 | Wisconsin | 22% | $333,909 |
| 25 | Tennessee | 21% | $334,075 |
| 26 | Colorado | 20% | $543,271 |
| 27 | South Carolina | 20% | $305,174 |
| 28 | Idaho | 20% | $477,506 |
| 29 | Montana | 20% | $467,919 |
| 30 | Washington | 20% | $604,087 |
| 31 | North Carolina | 20% | $337,273 |
| 32 | Vermont | 19% | $394,227 |
| 33 | Maine | 19% | $412,608 |
| 34 | New York | 19% | $510,449 |
| 35 | Virginia | 19% | $414,320 |
| 36 | Pennsylvania | 19% | $286,387 |
| 37 | New Hampshire | 19% | $510,709 |
| 38 | Connecticut | 18% | $441,466 |
| 39 | Georgia | 18% | $333,559 |
| 40 | Rhode Island | 18% | $504,793 |
| 41 | Massachusetts | 17% | $661,755 |
| 42 | Arizona | 17% | $423,746 |
| 43 | Nevada | 17% | $447,225 |
| 44 | Maryland | 17% | $431,934 |
| 45 | Oregon | 17% | $501,661 |
| 46 | New Jersey | 16% | $571,373 |
| 47 | Florida | 15% | $376,504 |
| 48 | California | 15% | $776,233 |
| 49 | Hawaii | 14% | $830,219 |
| 50 | Delaware | 13% | $405,836 |
| 排名 | 州 | 35岁以下抵押贷款申请人（2025年） | 典型房屋价值 |
|---|---|---|---|
| 1 | 北达科他州 | 28% | $286,406 |
| 2 | 西弗吉尼亚州 | 27% | $174,876 |
| 3 | 内布拉斯加州 | 26% | $279,080 |
| 4 | 艾奥瓦州 | 26% | $234,891 |
| 5 | 南达科他州 | 25% | $319,255 |
| 6 | 肯塔基州 | 25% | $232,231 |
| 7 | 明尼苏达州 | 24% | $350,891 |
| 8 | 阿拉斯加州 | 24% | $390,107 |
| 9 | 新墨西哥州 | 24% | $317,474 |
| 10 | 犹他州 | 24% | $540,993 |
| 11 | 俄克拉何马州 | 24% | $221,765 |
| 12 | 堪萨斯州 | 23% | $246,369 |
| 13 | 印第安纳州 | 23% | $256,584 |
| 14 | 路易斯安那州 | 23% | $214,727 |
| 15 | 密苏里州 | 23% | $265,398 |
| 16 | 怀俄明州 | 23% | $363,685 |
| 17 | 密西西比州 | 23% | $194,242 |
| 18 | 得克萨斯州 | 23% | $302,187 |
| 19 | 密歇根州 | 23% | $263,590 |
| 20 | 阿肯色州 | 22% | $222,300 |
| 21 | 俄亥俄州 | 22% | $244,844 |
| 22 | 亚拉巴马州 | 22% | $236,705 |
| 23 | 伊利诺伊州 | 22% | $290,210 |
| 24 | 威斯康星州 | 22% | $333,909 |
| 25 | 田纳西州 | 21% | $334,075 |
| 26 | 科罗拉多州 | 20% | $543,271 |
| 27 | 南卡罗来纳州 | 20% | $305,174 |
| 28 | 爱达荷州 | 20% | $477,506 |
| 29 | 蒙大拿州 | 20% | $467,919 |
| 30 | 华盛顿州 | 20% | $604,087 |
| 31 | 北卡罗来纳州 | 20% | $337,273 |
| 32 | 佛蒙特州 | 19% | $394,227 |
| 33 | 缅因州 | 19% | $412,608 |
| 34 | 纽约州 | 19% | $510,449 |
| 35 | 弗吉尼亚州 | 19% | $414,320 |
| 36 | 宾夕法尼亚州 | 19% | $286,387 |
| 37 | 新罕布什尔州 | 19% | $510,709 |
| 38 | 康涅狄格州 | 18% | $441,466 |
| 39 | 佐治亚州 | 18% | $333,559 |
| 40 | 罗得岛州 | 18% | $504,793 |
| 41 | 马萨诸塞州 | 17% | $661,755 |
| 42 | 亚利桑那州 | 17% | $423,746 |
| 43 | 内华达州 | 17% | $447,225 |
| 44 | 马里兰州 | 17% | $431,934 |
| 45 | 俄勒冈州 | 17% | $501,661 |
| 46 | 新泽西州 | 16% | $571,373 |
| 47 | 佛罗里达州 | 15% | $376,504 |
| 48 | 加利福尼亚州 | 15% | $776,233 |
| 49 | 夏威夷州 | 14% | $830,219 |
| 50 | 特拉华州 | 13% | $405,836 |
West Virginia, for example, has a typical home value of roughly $175,000 and the second-highest share of mortgage applicants under 35. 例如，西弗吉尼亚州的典型房屋价值约为17.5万美元，35岁以下抵押贷款申请人的比例位居第二。
Iowa, Kentucky, Oklahoma, and Nebraska also combine above-average shares of younger applicants with typical home values below $300,000. Lower purchase prices can reduce the down payment and mortgage needed to enter the housing market. 艾奥瓦州、肯塔基州、俄克拉何马州和内布拉斯加州也同时拥有高于平均水平的年轻申请人比例和低于30万美元的典型房屋价值。较低的购房价格可以减少进入住房市场所需的首付和抵押贷款。
Expensive Coastal Markets Rank Near the Bottom 昂贵的沿海市场排名靠后
Several of America’s most expensive housing markets have much smaller shares of mortgage applicants under 35. 美国几个最昂贵的住房市场中，35岁以下抵押贷款申请人的比例要小得多。
In California, where a typical home is valued at about $776,000, applicants under 35 account for just 15% of the total. 在加利福尼亚州，一套典型房屋的价值约为77.6万美元，35岁以下的申请人仅占总数的15%。
Hawaii has the country’s highest typical home value in the dataset at roughly $830,000, while only 14% of its mortgage applicants are under 35. 夏威夷州在数据集中拥有全美最高的典型房屋价值，约为83万美元，而其抵押贷款申请人中只有14%在35岁以下。
New Jersey, Massachusetts, and Oregon also rank in the bottom 10 while having typical home values above $500,000. 新泽西州、马萨诸塞州和俄勒冈州也排名后十位，同时典型房屋价值超过50万美元。
Affordability Isn’t the Only Factor 可负担性并非唯一因素
Home prices do not explain the entire ranking. 房价并不能完全解释这一排名。
Utah has 24% of mortgage applicants under 35 despite a typical home value of about $541,000, putting it in the top 10. The state has a relatively young population, which may contribute to the larger share of younger mortgage applicants. 犹他州尽管典型房屋价值约为54.1万美元，但35岁以下抵押贷款申请人占24%，跻身前十。该州人口相对年轻，这可能是年轻抵押贷款申请人比例较高的原因之一。
Meanwhile, Delaware ranks last at 13%, even though its typical home value of roughly $406,000 is well below those of California and Hawaii. That contrast points to other state-level differences shaping where younger adults enter the mortgage market. 与此同时，特拉华州以13%的比例排名最后，尽管其典型房屋价值约为40.6万美元，远低于加利福尼亚州和夏威夷州。这种反差表明，还有其他州级差异在影响年轻成年人进入抵押贷款市场的地点。
Demographics, incomes, migration patterns, housing supply, and local labor markets can all play a role. States with younger populations or stronger inflows of young adults, for example, may see a higher share of mortgage demand coming from people under 35 even when homes are relatively expensive. 人口结构、收入、迁移模式、住房供应和当地劳动力市场都可能发挥作用。例如，人口较年轻或年轻成年人流入较多的州，即使房价相对昂贵，35岁以下人群的抵押贷款需求占比也可能更高。
Learn More on the Voronoi App 在Voronoi应用上了解更多
To learn more about this topic, check out this graphic showing where wealth is moving in America. 要了解更多关于这一主题的信息，请查看这张展示美国财富流动方向的图表。