ʻO ka'enekiʻAmelika maʻamau he $ 68,828. ʻO kaʻikepili mai ka 2011.ʻO ia ke kumu no ka mea ke kohoʻia nei e ka Luna Helu Helu i nā makahiki heʻumi.
Uaʻikeʻia ke kumukūʻai kikowaena maʻamau i ke ana o ka waiwai ma United States. ʻO ka nui o ka waiwai o kāu mau upena. ʻO kēlā me nā waiwai a pau o ka hale e pau i ka hōʻai'ē a pau. ʻO ka waiwai waiwaiʻo ka home equity,ʻo ia ka waiwai kūʻai o kāu home ma ka morakiʻana a me ke kūʻaiʻana i nā kumukūʻai.
ʻO nā waiwai waiwai pū kekahi me ka waiwai waiwai o ka kaʻa e hoʻoemi i kona kumukūʻai koʻikoʻi.
ʻO nā kumu waiwai'ē aʻe,ʻo nā pūʻulu hoʻomaha , mālama kālā, a me ke kālā. ʻO nā kālā'ē aʻe e hōʻai'ē ana i ka aie'ē kāleka , nā pānaʻi haumāna, a me nā uku kālā . Hiki iāʻoe ke hoʻokomo pū i ka helu kūʻai o nā mea hale, e like me nā lakohana mea kūʻai, nā mea nani, a me nāʻoihana.
No ka hōʻonuiʻana i kāuʻupena pūnaewele , hoʻohui i ka waiwai o ka waiwai o kāu mau waiwai. A laila hoʻohui i kāu aie a pau. E hoʻokaʻawale i ka'ai'ē mai nā mea waiwai eʻike i kāuʻupena net.
Pono kaʻenehana kūpili hale
ʻO kaʻAhahui HeluheluʻAmelikaʻo ke ana i ka'eneke'eneke maʻamau o nāʻAmelika. Hoʻohana ia i kaʻupena liʻiliʻi o nā home ma mua o nā kānaka. ʻO ka hale kekahi hui o nā kānaka e noho like. Hoʻohālikelikeʻia ke ana i kēlā me kēia 10 mau makahiki ma keʻano he māhele o kaʻIke Heluhelu KanakaʻAmelika. ʻO ka helu hou loa mai 2011 mai.ʻO ka mea hou aku i 2021.
Hoʻohana kaʻOihana Heluhelu i ka median no ka hōʻoiaʻana o kaʻupena pūnaewele pili.
ʻO ka median ka helu kahi i loaʻa ai ka hapalua o nāʻohana aʻoi aku i ka hapalua a emi iho. Uaʻoi aku ka pololei o ia ma mua o ka helu pāmelika. ʻO ia kahi e lawe ai i ka waiwai o nā hale a pau o US a māheleʻia e ka helu o nā home. ʻO kaʻawelike heʻoi aku ka nui ma mua o ka waena.
ʻO ia no ka mea he mau waiwai waiwai ka poʻe i loaʻa nā piliona. ʻO ko lākou waiwai e hoʻonuiʻia ka waiwai o ka homeʻAmelika ma mua o ko lākou waiwai.
Hiki iāʻoe ke nānā i ka waiwai o $ 68,828 a me ka noʻonoʻo, "Ke hana nei au i ka maikaʻi!" aiʻole "Ke hele nei wau ma hope!" Akā,ʻo ka waiwai pili i ka makahiki. ʻAʻole i loaʻa i ka poʻe'ōpiopio ka manawa e hoʻonui i ka waiwai. Noho nā mākua i ko lākou waiwai. E hoʻohālikelikeʻoe i kāuʻupena i mea maʻamau i waena o kāu mau makahiki.
ʻO ka waiwai nui o nā mea iʻoi aku ma mua o 35 he $ 6,676 wale nō. ʻO ka waiwai nui o ka poʻe iʻoi aku ma mua o 75 he $ 155,714. Eia ke kōkoʻo piha ma ka'ōpio:
| ʻO ka makahiki kau | ʻO ka waiwai waiwai Median |
|---|---|
| Ke emi iho nei ma mua o 35 | $ 6,676 |
| 35-44 | $ 35,000 |
| 45-54 | $ 84,542 |
| 55-64 | $ 143,964 |
| 65-69 | $ 194,226 |
| 70-74 | $ 181,078 |
| 75 aʻoi aku paha | $ 155,714 |
ʻO kekahi kumu nui i ka loaʻaʻana o ka waiwai ka hoʻonaʻauaoʻana. ʻO ka waiwai nui o nā home āpauʻole ka diplomas kula kiʻekiʻe he $ 9,800 wale nō. He papa helu hoʻonaʻauao kula kiʻekiʻe i $ 43,945. He mau kēkelē ke kulanui i $ 147,148. ʻO ia ke kaumaha o ka'ai'ē kālepa. Loaʻa i ke kulanuiʻelua a me ke kekelē laulā aʻo ka'eneki'eneke he $ 240,750. Kōkua ka hoʻonaʻauao iāʻoe e hoʻonui i ka waiwai no ka mea hiki iāʻoe ke loaʻa nā uku uku uku. (Source: "Nā waiwai, kuleana a me ka uku o nā homeholds: 2011. Table 1.
Ka Papahana Helu Kanaka.).
ʻO kaʻokoʻa ma waena o Net Net Worth Income
Hoʻoholo ka aupuni oʻAmelika e ho'ākāka i ka waiwai ma ka uku kālā,ʻaʻole ka waiwai waiwai. Eia kekahi laʻana, ua hoʻomaopopo ka Pelekikena Barakāka i ka papa waenaʻoiai nā hale i emi iho i ka $ 250,000. ʻO ia ka manawa o nā hoʻopiʻi ma ka hoʻopauʻana i kaʻauhau o kaʻauhauʻo Bush . I loko o ka pilikia o ka pali kālā , ua'ōlelo ka'aha'ōlelo i ka papa waena i ka hoʻomohoʻana o nāʻohana i lalo o $ 450,000. ʻO ka papahana auhau a ka Peresidena Pelekane i'ōlelo nā hoa kāne o waena ma waena o $ 75,000 a me $ 225,000.
ʻO ka waiwai o kaʻohana ma waena o $ 59,039. Akā,ʻaʻole ia he manaʻo kēlā mea kēia mea i loaʻa i kēlā me kēia mea i loaʻa i ka waena o nā waiwai waiwai. He nui ka poʻe i haʻalele i ka home me kaʻupena upena, akā, he emi loa. Ua loaʻa iā lākou he waiwai nui i ka wā ma mua o ko lākou olaʻana i hiki ai iā lākou ke ho'ōla no ka haʻaleleʻana. He nui nāʻohana'ōpio i loaʻa ka waiwai nui akāʻo ka lihi liʻiliʻi liʻiliʻi.
ʻO ia no ka loaʻa kokeʻana o kā lākou kālā ma ka mālamaʻana i nā keiki, ka hale, a me ka uku kaʻa.
He ala palekana paha ka manaʻo e hiki i ka poʻe e noho nei ma lalo o ka pae waiwai hoʻokipa koʻikoʻi he kumukū liʻiliʻi loa. E kūʻai aku ana ka hapanui o nā kānaka i nā waiwai e mālama ai iā lākou iho ma mua o ka piʻiʻana i kaʻilihune.
Pehea e hoʻokaʻawaleʻia ai ka waiwai o ka lāhui?
Hoʻokaʻaʻike pū kaʻAhahui HeluheluʻAmelika i nā waiwai o ka home ma nā quintiles. He ala maikaʻi ke nānā aku i ka hoʻokaʻawaleʻana o ka waiwai iʻAmelika. ʻO ka quintile ka hapalima o ka hui, e like me kahi'āpana he hapahā o kekahi hui.
ʻO ka waiwai haʻahaʻa ka meaʻilihune loa o nā home. ʻO ka waiwai waiwai nui loa he 20% o nā home. E like me kā mākou iʻike ai mai kaʻikepili a hiki i kēia manawa,ʻo ka haʻahaʻa haʻahaʻa paha paha he mauʻohana'ōpio aʻo ka poʻe i nele i ka hoʻonaʻauao. ʻO ka papahana kiʻekiʻe e komo nā mākua a me ka poʻe iʻoi aku ka hoʻonaʻauao.
MaʻAmelika Hui PūʻIa, aia kekahi mahele nui ma waena o ka lalo a me nā quintiles kiʻekiʻe. ʻO kaʻupena liʻiliʻi o ka haʻahaʻa haʻahaʻa - $ 6,029. ʻO ke kūpono ia,ʻo kā lākouʻupena waiwai he meaʻole. Inā lākou i kūʻai aku i nā mea a pau i loaʻa iā lākou e uku ai i kā lākou'ai'ē, e $ 6.029 lākou kālā. No ka mea he median,ʻo ia hoʻi ka hapalua o nā home i kēia 20 poleʻaiʻole he nui aʻe ma mua o kēlā me ka hapalua hapa.
ʻO ke kumukūʻai waena o ka poʻeʻoihana waiwai loa he $ 630,754. Hāʻawi iā lākou i keʻano ola eʻoi aku kaʻokoʻa ma mua o ka haʻahaʻa haʻahaʻa. ʻEkolu manawa o lākou e like me ka hoʻolālā hou, a he 10 manawa e like me ko ka waena.
Eia ka paukū piha i ka quintile:
| Kuhi | Ka lawelawe Netian Median |
|---|---|
| Ke lalo 20ʻAla | - $ 6,029 |
| Kekahi aʻe 20ʻAla | $ 7,263 |
| Ke 20 waena | $ 68,828 |
| Kekahi aʻe 20ʻAla | $ 205,985 |
| ʻO ke kiʻekiʻe he 20 | $ 630,754 |
Nā Kele Waiwai
I loko o nā makahiki 11 i waena o nā hōʻike hope loa o ka'Ake Helu Kanaka, ua hāʻule ka waiwai o ka US. He $ 73,874 i ka makahiki 2000, ke emi iho nei i $ 68,828 i ka makahiki 2011. Akā,ʻaʻole ia ma muli o ka hopena o kēlā me kēia meaʻai. Akā, ua waiwai ka waiwai, a uaʻilihune ka poʻeʻilihune. Ma waena o 2000 a me 2011, ua hoʻonuiʻia ka waiwai i nā mea i loko o nā quintiles i luna,ʻelua i ka wā i emi iho ai ka mea i lalo iʻekolu.
| Kuhi | Pilikino Netian Median (2000) | Ka Hoʻololi Hou ma ka makahiki 2011 |
|---|---|---|
| Pau | - $ 905 | -566% |
| Eia kekahi | $ 14,319 | -49% |
| ʻO waena | $ 73,911 | -7% |
| Eia kekahi | $ 187,552 | + 10% |
| Ma luna | $ 569,375 | + 11% |
Ua hōʻano hou ka Federal Reserve i kekahi o nāʻike helu waiwai o ka Helu Kanaka. Nānāʻo kāna mauʻike no ka Waiwai Kūʻaiʻo ka helu o ka 1 pakeneka o nāʻAmelika e mālama nei i ka 38.6 pakeneka o ka waiwai o ka lāhui. Loaʻa iā lākou heʻoi aʻe ma mua o ka 36.3 pakeneka i ka makahiki 2013. Uaʻike nā kānaka'ē aʻe i ka hapene o ka waiwai i hāʻule. Ua loaʻa ka waiwai o ka poʻe waiwai mai ke kālepa ukana. ʻO ka hapa nui o nā limahana hanaʻaʻole lākou e pōmaikaʻi no ka meaʻaʻole i loaʻa iā lākou nā kōkoi waiwai nui.
ʻO ka piʻiʻana o ka kūlikeʻole o ka waiwai, he pae ia e like me ka mea iʻikeʻia i loko o ka māhele kālā. I ka 2000, 5.9 pakeneka o nā home i loaʻa $ 200,000 i ka makahiki aʻoi aʻe paha. I ka 2016, he 7 pakeneka i hana. He hōʻailona hou kēia no ka likeʻole o ka loaʻa kālā maʻAmelika. ʻO ia mai ka Table A-1 i ka hōʻike a ka Bureau o ka Helu Kanaka i kapaʻiaʻo ka Loaʻa a me ka Poverty ma United States: 2016.
Uaʻikeʻia ka 2016 Phoenix waiwai a me Affluent Monitor e like me nā kuhi like, akā naʻe, ua puʻunaueʻo ia i ka waiwai ma kahi'ē aʻe. Ua hōʻikeʻia he 0.9 pakeneka o nā hale o nā US iʻoi aku ma mua o $ 5 miliona ma ka uku waiwai. Akā, loaʻa iā lākou he 24 pakeneka o ka waiwai o ka lāhui. ʻElima hapahā o nāʻohanaʻAmelika i loaʻa i waena o $ 1 miliona a me $ 4.9 miliona. He 35% o ko lākou waiwai. ʻO ka 25 pakeneka o nāʻohana i loaʻa kaʻupena i waiwai ma waena o $ 100,000 a he $ 999,999 nā 32% o ka waiwai waiwai. He 70% o ka home i loaʻa i kaʻupena waiwai he emi ma lalo o $ 100,000, a loaʻa iā lākou ka 9 pakeneka o ka waiwai nui oʻAmelika.