{"id":3465,"date":"2023-04-13T15:33:43","date_gmt":"2023-04-13T19:33:43","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarea\/?p=3465"},"modified":"2023-04-13T15:34:07","modified_gmt":"2023-04-13T19:34:07","slug":"march-rent-report-65-of-u-s-cities-fail-the-affordability-test","status":"publish","type":"post","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/blog\/march-rent-report-65-of-u-s-cities-fail-the-affordability-test\/","title":{"rendered":"<strong>March Rent Report: 65% of U.S. Cities Fail the Affordability Test<\/strong>"},"content":{"rendered":"\n<p>If you follow the rule of thumb that households should spend&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/money\/how-much-should-i-spend-on-rent?utm_campaign=ct_prod&amp;utm_content=1333026&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=jsaenzmcefcu-org\">no more than 30%<\/a>&nbsp;of gross income on rent, then most U.S. cities are unaffordable.&nbsp;&nbsp;<\/p>\n\n\n\n<p>A monthly NerdWallet rent-to-income ratio analysis of 225 cities in the U.S. finds that, based on the most recent data, 65% of rents on the market are equal to or above the recommended 30% ratio in February. In January, the ratio was 64%.<\/p>\n\n\n\n<p>That means market rents are moderately to severely burdensome for residents in 57% of U.S. cities measured. Market rent comes from data on the real estate website Zillow, based on February data, and median income used for this analysis is from 2021 U.S. Census Bureau data. The data doesn\u2019t differentiate between incomes for residents who own rather than rent in those cities.<\/p>\n\n\n\n<p>By federal standards, spending 30% to 49% of income on rent means a household is \u201cmoderately rent burdened,\u201d and spending 50% or more means a household is \u201cseverely rent burdened,\u201d according to the NYU Furman Center, which conducts research about housing and urban policy.&nbsp;<\/p>\n\n\n\n<p>Among the 225 cities analyzed, six have rent-to-income ratios that put renters with median incomes in the \u201cseverely rent burdened\u201d category for February 2023, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bridgeport, Connecticut: 70%.<\/li>\n\n\n\n<li>Miami: 68%.<\/li>\n\n\n\n<li>Trenton, New Jersey: 68%.<\/li>\n\n\n\n<li>Santa Maria, California: 61%.<\/li>\n\n\n\n<li>New York City: 54%.<\/li>\n\n\n\n<li>Los Angeles: 50%.<\/li>\n<\/ul>\n\n\n\n<p>Renters with the greatest financial burden for housing tend to be seniors, low-income households, immigrants and racial or ethnic minorities, according to a 2015 Zillow analysis of U.S. Census Bureau data.<\/p>\n\n\n\n<p>Here are the cities with the least and most affordable rental housing markets, according to February 2023 rental market data by Zillow.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"858\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image.png\" alt=\"\" class=\"wp-image-3467\" srcset=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image.png 750w, https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image-262x300.png 262w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"838\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image-1.png\" alt=\"\" class=\"wp-image-3468\" srcset=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image-1.png 750w, https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2023\/04\/image-1-268x300.png 268w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p>Find out&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/rental-market-trends?utm_campaign=ct_prod&amp;utm_content=1333026&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=jsaenzmcefcu-org\">how affordable your city is<\/a>&nbsp;and learn about more rental market trends.<\/p>\n\n\n\n<p><strong>Are rents increasing or decreasing?<\/strong><\/p>\n\n\n\n<p>From January to February, the price of advertised rents increased by 0.3%, according to Zillow\u2019s rental report for February 2023. Typical asking rents increased 6.3% compared with the same time last year.<\/p>\n\n\n\n<p>Among the 51 cities Zillow tracks in its monthly Observed Rent Index, only eight saw rent decreases from January to February, with the most significant decreases in Cleveland (-1.03%); Jacksonville, Florida (-0.43%); and Salt Lake City (-0.35%). Among the 43 cities that saw market rent increases from January to February, the highest growth was in Hartford, Connecticut (1.27%); Sacramento, California (0.93%); and Chicago (0.78%).<\/p>\n\n\n\n<p>Annual rent growth peaked at 17% in February 2022 since Zillow began tracking in 2016 and has been slowly declining ever since. The city with the highest annual rent increase in February was Cincinnati, with an increase of 9.4% compared to February 2022. Las Vegas was the only city measured with a decline in rent \u2014 down 1% in February from the year prior.&nbsp;<\/p>\n\n\n\n<p>Rent is one of the biggest contributors to how inflation is measured. Shelter, which includes rent, is the biggest portion (34%) of the consumer price index, a proxy for inflation. In February, shelter accounted for more than 70% of the monthly increase in inflation, according to the most recent consumer price index, or CPI.&nbsp;<\/p>\n\n\n\n<p>But current inflation doesn\u2019t necessarily reflect current market conditions, because of the lag in how rent data is reported. That\u2019s due to the cycle of renewals for leases, most of which last around a year.<\/p>\n\n\n\n<p>Even with that lag, the rent-specific portion of the CPI has outpaced overall inflation for decades.<\/p>\n\n\n\n<p><strong>Methodology: Rent-to-income ratios by metro area<\/strong><strong><\/strong><\/p>\n\n\n\n<p>NerdWallet pulled the most recent available market rental data for 495 cities from the Zillow Observed Rent Index and matched it with the most recent available median household income data (2021) for cities by the U.S. Census Bureau. Certain cities identified in the Zillow Observed Rent Index weren\u2019t included in the U.S. Census Bureau list of median household incomes by city and thus weren\u2019t included in this analysis. A total of 225 cities were identified by both sets of data. Then, NerdWallet calculated the rent-to-income ratio using the following formula: Market rent\/(median income\/12 months).<\/p>\n\n\n\n<p><strong>More From NerdWallet<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/rental-market-trends?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1333026\">Rental Market Trends in the U.S. \u2014 Is Rent Going Up?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/7-tips-for-getting-an-apartment-without-credit?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1333026\">7 Tips for Getting an Apartment Without a Credit Check<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/cost-of-living-calculator?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1333026\">Cost of Living Calculator<\/a><\/li>\n<\/ul>\n\n\n\n<p>Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski.<\/p>\n\n\n\n<p>The article March Rent Report: 65% of U.S. Cities Fail the Affordability Test originally appeared on NerdWallet.<\/p>\n","protected":false},"excerpt":{"rendered":"If you follow the rule of thumb that households should spend&nbsp;no more than 30%&nbsp;of gross income on rent, then most U.S. cities are unaffordable.&nbsp;&nbsp; A monthly NerdWallet rent-to-income ratio analysis of 225 cities in the U.S. finds that, based on the most recent data, 65% of rents on the market are equal to or above [&hellip;]","protected":false},"author":7,"featured_media":3483,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_excerpt":["If you follow the rule of thumb that households should spend\u00a0no more than 30%\u00a0of gross income on rent, then most U.S. cities are unaffordable. A monthly NerdWallet"],"footnotes":""},"categories":[],"tags":[],"class_list":["post-3465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>March Rent Report: 65% of U.S. Cities Fail the Affordability Test - SkyPoint Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"March Rent Report: 65% of U.S. Cities Fail the Affordability Test - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"If you follow the rule of thumb that households should spend&nbsp;no more than 30%&nbsp;of gross income on rent, then most U.S. cities are unaffordable.&nbsp;&nbsp; A monthly NerdWallet rent-to-income ratio analysis of 225 cities in the U.S. finds that, based on the most recent data, 65% of rents on the market are equal to or above [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.skypointfcu.com\/blog\/march-rent-report-65-of-u-s-cities-fail-the-affordability-test\/\" \/>\n<meta property=\"og:site_name\" content=\"SkyPoint Federal Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-13T19:33:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-13T19:34:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.skypointfcu.com\/wp-content\/uploads\/2023\/04\/blog-promorent.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alexander Choque\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexander Choque\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.skypointfcu.com\/blog\/march-rent-report-65-of-u-s-cities-fail-the-affordability-test\/\",\"url\":\"https:\/\/www.skypointfcu.com\/blog\/march-rent-report-65-of-u-s-cities-fail-the-affordability-test\/\",\"name\":\"March Rent Report: 65% of U.S. Cities Fail the Affordability Test - 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