Rankings completos: Quanto Casa Posso Comprar nos Top 100 Metros?

Nerd Wallet avaliou quanto casa uma família típica em cada uma das 100 principais áreas metropolitanas do país pode pagar.

Utilizando dados sobre a dívida, a renda média, os custos da habitação e os preços das residências, pudemos recomendar quanto as famílias poderiam gastar, permanecendo dentro de parâmetros orçamentários saudáveis.

Vá para a tabela abaixo para ver os dados nas 100 áreas metropolitanas mais povoadas nos EUA. Para ler detalhes adicionais sobre as 10 principais áreas metropolitanas por população, clique aqui.

Metodologia

Todos os preços de casas recomendados são de cálculos de acessibilidade do nosso site em casa. O valor de casa total recomendado foi estimado como a soma do pagamento inicial e do empréstimo convencional máximo com seguro de hipoteca. O preço da casa foi dividido pela média de preços por pé quadrado de 2014 da Zillow para calcular o tamanho estimado.

Cálculo do adiantamento Usamos a renda média de 2013 para famílias de casais em cada área metropolitana do Census Bureau dos EUA e ajustamos os números usando o índice de custo de emprego de 2015 do BLS.

As rendas foram então ajustadas para incluir o imposto de renda federal, e o valor pós-imposto foi multiplicado pela taxa de poupança pessoal nos EUA de 10 anos de 4,8% para calcular a economia anual. Assumimos que o período de poupança para comprar uma casa é de 10 anos.

Os custos de fechamento, estimados em cerca de 3% do valor médio mediano, foram deduzidos das economias para calcular o pagamento final. Muitos compradores de casa relatam receber um presente da família para ajudar no pagamento, portanto nossos cálculos podem ser um pouco inferiores à média real.

Calculando o valor do empréstimo à habitação Assumimos que todos os empréstimos são hipotecas fixas convencionais de 30 anos com taxas de juros baseadas nas médias estaduais de 2013-2015 da Zillow. O rácio dívida / rendimento foi fixado em 36%, que é o montante máximo padrão utilizado na maioria das calculadoras de acessibilidade doméstica.

A dívida rotativa foi calculada usando as estatísticas nacionais de dívida de cartão de crédito da Investmentmatome e os dados de empréstimo automático do Lending Club.

O imposto sobre imóveis mediano é calculado pela área metropolitana a partir dos dados do censo de 2013, e o seguro residencial é por estado da Zillow.

As 100 principais áreas metropolitanas possuem dados de acessibilidade

A coluna “classificação de acessibilidade da área metropolitana” é baseada em uma classificação de 1 a 100, o que significa que quanto maior o número, menos acessível é comprar uma casa naquela cidade.

área de metrô	População	Renda familiar estimada em 2015	Taxa média de hipoteca	Imposto predial anual	Hipoteca mensal sugerida	Preço sugerido para casa	Preço de 2014 da Zillow por pé quadrado	Total de pés quadrados acessíveis	Grau de acessibilidade da área metropolitana
Nova York-Newark-Jersey City	19,949,502	$104,685	3.79%	1.75%	$1,535	$314,177	$253	1,243	92
Los Angeles-Long Beach-Anaheim	13,131,431	$85,210	3.72%	0.84%	$1,262	$256,736	$339	757	99
Chicago-Naperville-Elgin	9,537,040	$93,163	3.73%	2.12%	$1,407	$293,626	$130	2,250	59
Dallas-Fort Worth-Arlington	6,812,373	$88,252	3.69%	2.25%	$1,314	$277,205	$101	2,748	28
Houston-The Woodlands-Sugar Land	6,313,158	$87,709	3.69%	2.35%	$1,299	$274,540	$102	2,693	34
Filadélfia-Camden-Wilmington	6,034,678	$102,002	3.72%	1.57%	$1,788	$366,891	$129	2,837	24
Washington-Arlington-Alexandria	5,950,214	$130,388	3.83%	1.00%	$2,564	$511,656	$203	2,517	40
Miami-Fort Lauderdale-West Palm Beach	5,828,191	$71,749	3.79%	1.35%	$858	$183,136	$161	1,141	94
Atlanta-Sandy Springs-Roswell	5,524,693	$84,896	3.77%	1.10%	$1,389	$287,607	$95	3,032	14
Boston-Cambridge-Newton	4,684,299	$114,017	3.73%	1.22%	$1,978	$402,276	$224	1,794	77
São Francisco-Oakland-Hayward	4,516,276	$120,013	3.72%	0.87%	$2,199	$438,646	$402	1,091	95
Phoenix-Mesa-Scottsdale	4,398,762	$77,134	3.72%	0.83%	$1,231	$255,947	$124	2,071	66
Riverside-San Bernardino-Ontario	4,380,878	$74,318	3.72%	1.09%	$1,033	$216,411	$164	1,321	89
Detroit-Warren-Dearborn	4,294,983	$85,835	3.71%	2.03%	$1,423	$297,141	$98	3,024	15
Seattle-Tacoma-Bellevue	3,610,105	$100,425	3.71%	1.07%	$1,771	$361,426	$177	2,039	68
Minneapolis-St. Paul-Bloomington	3,459,146	$99,845	3.73%	1.24%	$1,827	$373,880	$161	2,316	58
San Diego-Carlsbad	3,211,252	$89,030	3.72%	0.85%	$1,400	$285,000	$292	975	97
Tampa-St. Petersburg-Clearwater	2,870,569	$72,707	3.79%	1.13%	$963	$204,503	$102	2,008	71
São Luís	2,799,609	$85,889	3.71%	1.33%	$1,484	$307,531	$105	2,928	19
Baltimore-Columbia-Towson	2,770,738	$106,968	3.77%	1.01%	$1,982	$401,730	$165	2,437	49
Denver-Aurora-Lakewood	2,697,476	$95,134	3.70%	0.72%	$1,708	$349,661	$183	1,906	75
Pittsburgh	2,360,867	$84,236	3.72%	1.75%	$1,380	$287,981	$101	2,852	22
Charlotte-Concord-Gastonia	2,335,358	$81,216	3.75%	0.95%	$1,355	$280,232	$98	2,855	21
Portland-Vancouver-Hillsboro	2,315,089	$86,024	3.73%	1.10%	$1,450	$297,325	$168	1,765	81
San Antonio-New Braunfels	2,277,516	$77,372	3.69%	2.10%	$1,031	$220,849	$103	2,136	62
Orlando-Kissimmee-Sanford	2,267,846	$69,193	3.79%	1.18%	$843	$180,433	$104	1,729	82
Sacramento – Roseville – Arden-Arcade	2,215,770	$84,846	3.72%	1.01%	$1,335	$275,465	$183	1,509	84
Cincinnati	2,134,109	$84,998	3.71%	1.42%	$1,469	$304,307	$91	3,330	7
Cleveland-Elyria	2,064,725	$85,306	3.71%	1.89%	$1,436	$298,800	$85	3,504	4
Cidade de Kansas	2,052,048	$86,875	3.71%	1.33%	$1,514	$313,296	$99	3,156	10
Las Vegas-Henderson-Paradise	2,027,868	$70,813	3.75%	1.04%	$1,012	$212,667	$109	1,957	73
Colombo	1,967,066	$86,205	3.71%	1.74%	$1,457	$302,522	$96	3,140	11
Indianapolis-Carmel-Anderson	1,953,613	$81,523	3.74%	0.98%	$1,425	$294,318	$56	5,302	1
San Jose-Sunnyvale-Santa Clara	1,919,641	$126,037	3.72%	0.91%	$2,320	$461,205	$452	1,020	96
Austin-Round Rock	1,883,051	$94,926	3.69%	2.14%	$1,464	$305,968	$131	2,341	56
Nashville-Davidson – Murfreesboro – Franklin	1,757,424	$79,716	3.77%	0.79%	$1,349	$277,756	$111	2,508	43
Notícias de Virginia Beach-Norfolk-Newport	1,706,816	$88,410	3.76%	0.87%	$1,545	$315,995	$129	2,444	48
Providence-Warwick	1,604,291	$91,906	3.77%	1.37%	$1,518	$311,451	$174	1,789	78
Milwaukee-Waukesha-West Allis	1,569,659	$89,148	3.71%	2.00%	$1,465	$304,133	$110	2,775	27
Jacksonville	1,394,624	$80,602	3.79%	1.06%	$1,202	$251,143	$102	2,462	46
Memphis	1,343,850	$81,243	3.77%	1.17%	$1,372	$283,998	$78	3,663	2
Cidade de Oklahoma	1,319,677	$77,352	3.73%	1.02%	$1,107	$234,097	$95	2,476	45
Condado de Louisville / Jefferson	1,262,928	$82,005	3.72%	0.93%	$1,461	$301,522	$103	2,941	18
Richmond	1,248,513	$92,777	3.76%	0.82%	$1,699	$346,700	$117	2,973	17
Nova Orleans-Metairie	1,240,977	$80,869	3.71%	0.64%	$1,213	$254,613	$105	2,415	51
Hartford-West Hartford-East Hartford	1,215,211	$107,305	3.72%	1.90%	$1,874	$384,606	$146	2,639	35
Raleigh	1,214,516	$93,928	3.75%	0.86%	$1,721	$351,588	$111	3,163	9
Salt Lake City	1,140,483	$82,750	3.79%	0.73%	$1,527	$309,752	$162	1,918	74
Birmingham-Hoover	1,140,300	$77,352	3.73%	0.52%	$1,298	$269,247	$96	2,812	25
Buffalo-Cheektowaga-Niagara Falls	1,134,115	$82,639	3.79%	2.80%	$1,172	$247,421	$96	2,582	36
Rochester	1,083,278	$82,996	3.79%	2.98%	$1,152	$243,462	$89	2,724	29
Grand Rapids-Wyoming	1,016,603	$76,097	3.71%	1.61%	$1,175	$246,715	$91	2,724	30
Tucson	996,554	$71,862	3.72%	1.03%	$1,048	$220,605	$110	2,011	70
Urbano Honolulu	983,429	$98,278	3.74%	0.30%	$1,792	$355,429	$458	776	98
Tulsa	961,321	$73,396	3.73%	1.01%	$989	$210,961	$87	2,416	50
Fresno	955,272	$67,346	3.72%	0.94%	$885	$187,644	$128	1,464	85
Bridgeport-Stamford-Norwalk	939,904	$131,923	3.72%	1.56%	$2,445	$494,115	$245	2,014	69
Worcester	926,710	$96,248	3.73%	1.36%	$1,527	$315,963	$151	2,088	65
Albuquerque	901,932	$76,523	3.70%	0.92%	$1,180	$246,772	$103	2,385	53
Omaha-Council Bluffs	895,999	$86,412	3.77%	1.99%	$1,454	$300,614	$104	2,884	20
Albany-Schenectady-Troy	877,905	$96,471	3.79%	2.05%	$1,534	$317,032	$133	2,380	54
Bakersfield	864,124	$72,359	3.72%	1.17%	$1,027	$216,759	$122	1,780	79
New Haven-Milford	862,287	$102,014	3.72%	2.02%	$1,681	$346,967	$148	2,339	57
Knoxville	852,147	$68,397	3.77%	0.66%	$1,039	$216,679	$103	2,094	64
Greenville-Anderson-Mauldin	850,965	$71,288	3.75%	0.63%	$1,047	$219,947	$90	2,450	47
Oxnard-Thousand Oaks-Ventura	839,620	$105,622	3.72%	0.84%	$1,872	$377,639	$296	1,274	90
El Paso	831,935	$56,660	3.69%	2.23%	$436	$102,383	$87	1,177	93
Allentown-Bethlehem-Easton	827,048	$85,117	3.72%	1.75%	$1,292	$269,902	$113	2,394	52
Baton Rouge	820,159	$89,174	3.71%	0.54%	$1,487	$309,078	$109	2,842	23
McAllen-Edinburg-Mission	815,996	$47,545	3.69%	2.33%	$202	$56,067	$81	692	100
Dayton	802,489	$77,732	3.71%	1.82%	$1,246	$260,906	$74	3,511	3
Columbia	793,360	$78,144	3.75%	0.65%	$1,252	$260,824	$84	3,096	13
Ponto alto de Greensboro	741,065	$71,107	3.75%	0.98%	$1,068	$223,687	$89	2,500	44
North Port-Sarasota-Bradenton	732,535	$70,933	3.79%	1.08%	$896	$190,492	$142	1,339	88
Little Rock-Norte Little Rock-Conway	723,743	$74,417	3.72%	0.70%	$1,113	$234,257	$91	2,570	37
Charleston-North Charleston	712,220	$85,322	3.75%	0.58%	$1,451	$299,057	$142	2,106	63
Akron	705,686	$82,994	3.71%	1.67%	$1,399	$291,020	$83	3,497	5
Stockton-Lodi	704,379	$72,839	3.72%	1.16%	$999	$210,249	$151	1,393	86
Colorado Springs	678,319	$84,276	3.70%	0.54%	$1,436	$296,521	$116	2,548	39
Siracusa	661,934	$83,982	3.79%	2.75%	$1,214	$255,657	$94	2,713	32
Cape Coral-Fort Myers	661,115	$67,644	3.79%	1.22%	$803	$172,346	$127	1,357	87
Winston-Salem	650,820	$69,819	3.75%	0.89%	$1,039	$217,869	$87	2,512	41
Boise City	649,321	$70,180	3.73%	0.82%	$1,078	$225,009	$104	2,158	61
Wichita	637,989	$77,824	3.74%	1.35%	$1,312	$272,541	$87	3,138	12
Madison	627,431	$94,013	3.71%	1.95%	$1,589	$327,927	$138	2,379	55
Springfield	626,915	$88,222	3.73%	1.45%	$1,313	$274,285	$140	1,964	72
Refúgio de Lakeland-Winter	623,009	$59,644	3.79%	1.06%	$609	$134,862	$88	1,531	83
Ogden-Clearfield	621,853	$80,152	3.79%	0.72%	$1,468	$298,661	$136	2,202	60
Toledo	608,145	$76,865	3.71%	1.82%	$1,226	$257,171	$78	3,295	8
Deltona-Daytona Beach-Ormond Beach	600,756	$59,125	3.79%	1.10%	$565	$125,754	$100	1,261	91
Des Moines-West Des Moines	599,789	$90,831	3.74%	1.68%	$1,596	$328,928	$122	2,700	33
Condado de Augusta-Richmond	581,551	$75,622	3.77%	0.84%	$1,172	$244,923	$82	2,973	16
Jackson	578,361	$75,439	3.71%	0.75%	$1,178	$247,413	$97	2,559	38
Provo-Orem	562,338	$74,639	3.79%	0.61%	$1,310	$266,506	$130	2,055	67
Scranton-Wilkes-Barre-Hazleton	562,037	$71,506	3.72%	1.46%	$1,028	$217,267	$86	2,512	42
Harrisburg-Carlisle	557,711	$85,601	3.72%	1.40%	$1,419	$294,572	$106	2,788	26
Youngstown-Warren-Boardman	555,506	$66,698	3.71%	1.52%	$975	$206,727	$59	3,497	6
Palm Bay-Melbourne-Titusville	550,823	$69,232	3.79%	1.05%	$876	$187,057	$99	1,891	76
Chattanooga	540,387	$73,732	3.77%	0.83%	$1,184	$245,812	$90	2,722	31
Vale de Spokane-Spokane	535,189	$72,251	3.71%	1.09%	$1,044	$219,467	$124	1,774	80

Imagem via iStock.