拥有一辆新车成为数百万收入低于 10 万美元的美国人的梦想

大流行的价格上涨意味着 60% 的美国家庭和 82% 的个人实际上买不起普通新车

作者：塞巴斯蒂安·贝尔

7 小时前https://www.carscoops.com/wp-content/uploads/2024/01/fordjhs-1024x576.jpg

惊人的通货膨胀率、不断上涨的新车价格以及经济型汽车供应量的减少，意味着拥有一辆新车对于大多数美国人来说是一个无法实现的梦想。

2020年以来，新车和二手车价格均大幅上涨。对于下线的车辆，平均建议零售价比疫情前高出 30%。二手车的平均价格比疫情前上涨了 38%。

据《新闻周刊》报道，幸运的是，到 2023 年，增长放缓，价格仅比一年前高出 1% 。然而，目前新车的平均价格为 50,364 美元，而二手车的平均价格为 31,030 美元。

“简而言之，汽车变得更加昂贵，”埃德蒙兹 (Edmunds) 消费者洞察分析师约瑟夫·尹 (Joseph Yoon) 告诉《新闻周刊》。“2019 年 11 月，新车的平均交易价格为 38,500 美元。2023 年 11 月，这一数字跃升至 47,939 美元。”https://www.carscoops.com/wp-content/uploads/2024/01/2023-Dealers-1-1024x722.jpg

您可能需要赚 100,000 美元才能买一辆新车

根据Market Watch的一项早期研究，如果美国人遵守共同的预算准则和做法，则需要至少 10 万美元的家庭总收入才能购买普通新车。虽然没有完美的公式，但金融专家的一个普遍观点是，您应该将每月实得工资的 10%-15% 用于与汽车相关的费用，其中包括从付款到保险和维护的所有费用。

根据这一标准，美国60% 的家庭和 82% 的个人目前无力购买新车。造成这一负担能力挑战的一个因素是美国人偏爱价格较高的跨界车、皮卡和 SUV。

阅读：宝马是美国销售最快的新车和二手车

Yoon 表示：“在过去 10 年左右的时间里，汽车购买者的偏好也急剧转向大型卡车和 SUV，甚至更多地转向摄像头、传感器、雷达和大型信息娱乐屏幕等高科技和舒适设施。” 因此，廉价汽车的数量减少，导致新车的平均价格更高。

然而，最大的因素可能是大流行。由于供应链混乱，新车价格在那段时间飙升。制造新车的困难意味着需求猛增，二手车市场也随之而来。尽管供应正常化已经阻止了汽车价格的上涨，但价格在不久的将来不太可能大幅下降。https://www.carscoops.com/wp-content/uploads/2024/01/2023-Dealers-2-1024x683.jpg

原文

Owning A New Car Becoming A Fantasy For Millions Of Americans Making Under $100K

The pandemic price bump means that 60% of American households and 82% of individuals can't really afford the average new vehicle

by Sebastien Bell

7 hours ago

The staggering rate of inflation, growing new car prices, and the shrinking supply of affordable vehicles mean that the dream of owning a vehicle is not an affordable one for the majority of Americans.

Since 2020, prices of both new and used vehicles have grown substantially. For vehicles rolling off the assembly line, the average MSRP is now 30 percent higher than it was before the pandemic. For pre-owned vehicles, the average price is now up 38 percent as compared to before the pandemic.

Fortunately, in 2023, the growth slowed, and prices were just one percent higher than a year earlier, reports Newsweek. However, the average price of a new car is now $50,364, while the average used vehicle costs $31,030.

“Simply put, cars have become more expensive,” Joseph Yoon, a consumer insight analyst at Edmunds, told Newsweek. “In November 2019, the average transaction price for a new vehicle was $38,500. In November of 2023, that figure jumped to $47,939.”

You probably need to make $100,000 to afford a new car

According to an earlier study by Market Watch, Americans need a combined household income of at least $100,000 to afford the average new car if they adhere to common budgeting guidelines and practices. While there’s no perfect formula, a common school of thought among financial experts is that you should spend no more than 10%-15% of your monthly take-home pay on car-related expenses, which includes everything from payments to insurance and maintenance.

Based on this criterion, 60 percent of households and 82 percent of individuals in the U.S. are currently unable to afford a new car. One contributing factor to this affordability challenge is the preference of Americans for pricier crossovers, pickups, and SUVs.

Read: BMWs Are The Fastest-Selling New And Used Cars In America

“Car buyers’ preferences have also shifted dramatically to larger trucks and SUVs in the past 10 years or so, and even more towards high-tech and comfort amenities in the form of cameras, sensors, radars and large infotainment screens,” said Yoon. As a result, fewer cheap cars are available, pushing the average price of new vehicles higher.

However, the biggest factor is likely the pandemic. New car prices shot up in that time because of supply line snarls. The difficulty of manufacturing new vehicles meant that demand skyrocketed, and the used market followed suit. Although normalizing supplies have stopped vehicle price growth, prices aren’t likely to drop significantly in the near future.