2026年5月1日 / 美国东部时间上午8:53 / 哥伦比亚广播公司新闻（CBS News）
美国部分地区的房地产市场正在经历调整，今年全美约三分之一的大城市房屋中位售价出现下跌。
房地产数据公司ATTOM发布的报告显示，2026年头三个月，全美129个最大城市中有39个的房屋中位售价出现下滑，其中许多城市位于佛罗里达州、加利福尼亚州以及美国西南部各州。跌幅最大的是佛罗里达州的开普科勒尔-迈尔斯堡地区，该地区第一季度房屋销售中位价比去年同期下降9%，至341250美元。
房地产经纪网站Realtor.com的高级经济学家杰克·克里梅尔表示，许多目前出现房价下跌的城市在疫情期间都经历了房价的大幅上涨，比如得克萨斯州奥斯汀。其他都会区则因房主保险和财产税上涨的压力而陷入困境。
“如果只关注那些处境艰难、房价下跌的地区，总体上会是南部和西部的都会区，而佛罗里达州尤其明显，”克里梅尔在接受CBS新闻采访时说道，“这更多是疫情后的繁荣，——我几乎犹豫要不要说崩盘——但或许只是房价回落或回归理性。”
在佛罗里达州东北部运营着佳士得国际地产（Coldwell Banker）特许加盟店的经纪人布赖斯·奥塞佩克表示，该州部分地区的房屋只要定价合理，仍会被迅速抢购。但如果卖家最初的挂牌价过高，房屋最终往往会以低于其实际价值的价格售出。
“房屋会在市场上搁置，然后卖家降价，接着又搁置更久，再次降价，最后买家会占据议价优势，狠狠压价，”他在接受CBS新闻采访时说道。
阳光之州的光环不再了？
保险比价网站Insurify的数据显示，多年来佛罗里达州房主的保险费率一直是全美最高的。该网站3月的一份分析报告指出，受飓风风险影响，佛罗里达州去年的平均房主保险费率上涨18%，至8292美元。
Insurify的分析报告称：“佛罗里达州固有的地理风险使得保费比其他州更贵。该州南部地区保费最高，那里飓风威胁着大量高价住宅。保费最高的县是门罗县（22436美元）、迈阿密-戴德县（15715美元）和棕榈滩县（14235美元）。”
奥塞佩克表示，近期飓风过后，部分洪泛区被重新评估，导致佛罗里达州的保险保费飙升。
“我们甚至见过一些情况，这就是人们一开始就打算卖房的原因，因为他们的保险保单被取消或重新评估，他们要么无法再投保，要么再也负担不起保费，”他说道。
圣路易斯联邦储备银行发布的房价指数显示，开普科勒尔-迈尔斯堡都会区的房价在2023年初达到峰值。
ATTOM的数据显示，2026年初佛罗里达州其他出现房价下跌的城市还包括奥卡拉、莱克兰-温特黑文以及那不勒斯-伊莫卡利-马可岛地区。
“每当一处房产因遭受飓风破坏而无法投保时，其价值就会大幅缩水，可不止下跌几个百分点，”奥塞佩克说道，“这也会稍微扭曲数据，有些房产价值遭受重创，而另一些则根据所在区域是否受飓风影响而维持其价值。”
佛罗里达大西洋大学商业与经济民意调查倡议组织去年11月的一项民调显示，约一半的佛罗里达人表示他们正考虑离开该州，原因是生活成本过高。其中约八成受访者表示他们担心住房负担能力。
买方市场
不过可以肯定的是，今年第一季度部分城市的房价出现上涨，尤其是在疫情期间房价涨幅不大的铁锈地带。例如，底特律2026年头三个月的销售价格上涨约17%，至259000美元。
即便如此，美国整体房地产市场正朝着对买家更有利的格局转变，这为过去几年感觉被市场拒之门外的购房者提供了一些喘息空间，克里梅尔指出。
“今年春季对买家来说确实有实实在在的好处，”他说道，“融资成本略有下降，现在还有一个额外好处：房屋中位售价实际上有所回落，同时市场上的房源也更多了。”
房地美（Freddie Mac）的数据显示，目前抵押贷款利率徘徊在6.3%左右——远低于疫情期间低于3%的低位，但也低于一年前6.8%的平均利率。
“卖家的预期变得更务实了。4月是全国范围内挂牌价连续第六个同比下跌的月份，这表明今年人们对房屋的定价比去年更低，”克里梅尔说道，“我不会说这是全面反弹或回归正常。看起来更像是某种程度的正常化。”
编辑：阿兰·谢特
玛丽·坎宁安对本文亦有贡献。
Home prices dropped in dozens of big U.S. cities this year. Here’s where.
May 1, 2026 / 8:53 AM EDT / CBS News
The real estate market is going through a reset in some parts of the U.S., with median sale prices in about one-third of major cities falling this year.
Median sale prices dipped in the first three months of 2026 in 39 out of the largest 129 cities across the U.S., with many located in Florida, California and Southwestern states, according to a report from real estate data company ATTOM. The biggest decline was in Florida’s Cape Coral-Fort Myers region, where the median home sale price declined 9% to $341,250 in the first quarter compared with the year-ago period.
Many cities now experiencing price declines also saw big run-ups in home valuations during the pandemic, such as Austin, Texas. Other metro areas are struggling because of pressures from rising homeowners’ insurance and property taxes, according to Jake Krimmel, senior economist at Realtor.com.
“If we want to just focus on the ones that are struggling and declining, it’s going to be, for the most part, metros in the south and the west, and Florida has been one in particular,” Krimmel told CBS News. “It involves more of a pandemic boom, and — I would almost hesitate to say bust — but maybe a come-down or back to reality.”
Bryce Ocepek, a broker who runs a Coldwell Banker franchise affiliate in northeast Florida, said homes in some pockets of the state are being snatched up quickly when priced correctly. But if a seller’s initial listing price is too high, the house often sells for less than its worth, he said.
“It sits on the market, and then they price drop it, then it sits longer and they price drop it, and then they end up getting beat up by buyers that have leverage,” he told CBS News.
Is the shine off the Sunshine State?
Homeowners in Florida have paid the highest insurance rates of any state for several years, according to Insurify, an insurance comparison site. The average homeowners’ insurance rate in Florida jumped 18% to $8,292 last year, driven by hurricane risk, according to a March analysis by the site.
“Florida’s inherent geographic risk keeps premiums more expensive than in other states,” the Insurify analysis noted. “Premiums are highest in the southern part of the state, where hurricanes threaten high concentrations of expensive homes. The most expensive counties are Monroe ($22,436), Miami-Dade ($15,715) and Palm Beach ($14,235).”
Insurance premiums spiked in Florida after certain flood zones were reevaluated following a recent hurricane, Ocepek said.
“We’ve even seen some situations where that’s why people are selling to begin with, because their insurance policy was dropped or reassessed and they either couldn’t insure it or couldn’t afford the policy any longer,” he said.
Home prices in the Cape Coral-Ft. Myers metropolitan region peaked in early 2023, according to a house price index published by the Federal Reserve Bank of St. Louis.
Other Florida cities experiencing price declines in early 2026 include Ocala, Lakeland-Winter Haven and the Naples-Immokalee-Marco Island area, the ATTOM data shows.
“Whenever a property becomes uninsurable because of hurricane damage sustained, it’s significantly devaluing it, like it’s not just a couple points,” Ocepek said. “That can also skew the data a little bit, where some properties get creamed, and other ones are holding their value based on kind of pockets that have gotten hit by the hurricane or not.”
About half of Floridians say they are considering leaving the state because of its high cost of living, according to a November poll from Florida Atlantic University’s Business and Economic Polling Initiative. About 8 in 10 of those polled said they are concerned about housing affordability.
Buyer’s market
To be sure, some cities saw rising home prices in the first quarter, especially in the Rust Belt, where values didn’t rise significantly during the pandemic. In Detroit, for instance, sale prices in the first three months of 2026 jumped about 17% to $259,000.
Even so, the real estate market across the U.S. is shifting toward a more buyer-friendly landscape, providing some relief to house hunters who have felt locked out of the market over the past few years, Krimmel noted.
“There is real benefit for buyers this spring in particular,” he said. “Financing is a little cheaper, and you also have now the added benefit of median prices actually coming back down, and there’s more homes on the market as well.”
Mortgage rates are now hovering about 6.3% — far higher than the pandemic lows of below 3%, but lower than the average rate of 6.8% a year ago, according to Freddie Mac data.
“Sellers are coming in with more realistic expectations. April was the sixth straight month nationally where we saw list prices come down on a year-over-year basis, so it tells us that people are pricing their homes a little less this year than last,” Krimmel said. “I wouldn’t say it’s a full rebound or back to normal. It just seems that it’s a bit of a normalization.”
Edited by Alain Sherter
Mary Cunningham contributed to this report.
