就住宅拥有率而言，根据统计，美国穷人家庭中有49%的家庭拥有自己的住宅，平均每个家庭住宅内有三间住房，有家庭厅、会客厅、厨房和餐厅，住宅中平均配有1.5个卫生间。
美国能源部的统计数据显示，美国家庭的平均居住面积在所有西方国家中，排在首位，平均每人的家庭住宅生活空间为721平方英尺，而美国穷人家庭，平均每人的家庭住宅生活空间为493平方英尺，可以说穷人与普通人在住宅面积上差距并不是特别大，在拥有住宅的美国穷人家庭中，49%的家庭是拥有独立住宅，41%的家庭是拥有公寓，10%的家庭拥有活动房屋。
In terms of residential ownership rate, according to statistics, 49% of poor households in the United States own their own homes, with an average of three rooms per household, including a living room, reception room, kitchen, and dining room. The homes are equipped with an average of 1.5 bathrooms.
According to statistics from the US Department of Energy, the average living area of American households ranks first among all Western countries, with an average living space of 721 square feet per person. In contrast, poor American households have an average living space of 493 square feet per person. It can be said that the gap in living area between poor and ordinary people is not particularly large. Among poor American households that own homes, 49% of households own independent homes, 41% of households own apartments, and 10% of households own mobile homes.
美国穷人到底是怎样住得起房子的？
01、美国穷人的标准有点高
首先美国穷人自然是美国社会划分出的穷人，据美国重要媒体报道，在经济高度发达的美国，穷人标准远远高于联合国所制定的693.5美元的穷人收入标准，从收入上看就要高出20多倍，因此更多人被划分到穷人的行列。
02、美国房屋价格
美国的房价与人口分布相关，且差价很大，东西区纽约及周边城市，洛杉矶等加州城市的楼价较贵，周部地区的楼价较便宜。就美国的整体房价来看，中位房价约为20万美元，中部地区大部分房屋的房价都不到20万美元。
一位华人移民朋友曾谈到美国的两个中部城市，底特律和堪萨斯城的房价，就人口而言，两个城市在美国排在10-50位之间，算是二线城市，但是人口100万都不到，房价也便宜，一套住宅都只要十几万美元，甚至不到十万美元，二十万美元出头都是很好的房子了。美国几乎人人有车，所以每个人的生活范围扩大了很多，穷人买房时的选择余地也很多。
03、购房政策和房贷利率
美国的房贷利率低，远低于普通商业贷款和信用卡的利率。美国人的首套房屋贷款，首付可低至3.5%，甚至更低！而现在美国的中位房价约为20万美元，所以首付7千就可以购房了！
其次，房屋贷款的利息可以抵税，这是一个非常有诱惑力的优惠！纳税人若在过去几年买房或是申请重贷，每月房贷还款应有较高比例为房贷利息，因此省下更多税金。
How can poor Americans afford to live in a house?
01. The standards for poor people in the United States are a bit high
Firstly, poor people in the United States are naturally classified as poor by American society. According to important media reports, in the highly developed United States, the standard for poor people is much higher than the United Nations' poverty income standard of $693.5, which is more than 20 times higher in terms of income. Therefore, more people are classified as poor.
02. US housing prices
The housing prices in the United States are related to population distribution and have a large price difference. The housing prices in New York and surrounding cities in the East West region, as well as California cities such as Los Angeles, are relatively expensive, while the housing prices in the surrounding areas are relatively cheap. In terms of overall housing prices in the United States, the median price is around $200000, with most houses in the central region priced at less than $200000.
A Chinese immigrant friend once talked about the housing prices in two central cities in the United States, Detroit and Kansas City. In terms of population, these two cities rank between 10-50 in the United States and can be considered second tier cities. However, they have a population of less than one million and affordable housing prices. A residential property costs only a few tens of thousands of dollars, or even less than one hundred thousand dollars. A house worth just over two hundred thousand dollars is already a good one. Almost everyone in the United States owns a car, so everyone's living range has expanded a lot, and there are also many choices for poor people when buying a house.
03. Housing purchase policies and mortgage interest rates
The mortgage interest rates in the United States are low, far lower than those of ordinary commercial loans and credit cards. For the first house loan of Americans, the down payment can be as low as 3.5%, or even lower! And now the median house price in the United States is about $200000, so you can buy a house with a down payment of $7000!
Secondly, the interest on housing loans can be tax deductible, which is a very tempting discount! If taxpayers have bought a house or applied for a heavy loan in the past few years, they should have a higher proportion of monthly mortgage repayment as mortgage interest, thus saving more taxes.
04、房屋的开支成本与保障
房屋保险服务
在美国房屋是可以买保险的！比如有的地区会有自然灾害，台风和水灾等无法预料的自然灾害，如果你愿意就可以购买房屋保险，那么万一真的遇上自然灾害那么就会得到很好的补偿。
庭院维护支出
庭院维护需要花钱，例如修建枝丫和平整草坪，不过这个只要自己不偷懒，其实是可以自己动手的。
社区费用
如果你买的美国房地产有小区管理，会有一个社区费，费用的高低取决于社区内公共设施的多寡。
05、住房补贴和福利保障
美国联邦政府，对穷人提供住房补贴，房屋补贴有许多不同的方式。
老年低收入者可以入住老年公寓，希望买房子的低收入者可以申请购买限价房。
对于负担不起房租的低收入家庭，则有房屋补贴项目。
俗称为第八款，因为这个补贴项目，是根据住房法第八款的规定以及后来的补充规定来运作的，第八款是第八住房补贴方案，最早为美国1937年入住法案，之后又被反复修改，增补，它授权发放补贴给私营公寓老板或低收入者，用以帮助低收入家庭能支付得起租房的费用，美国住房和城市发展部是具体负责低收入补贴运作的联邦机构。
所谓的低收入者根据住房和城市发展部的定义：是收入低于当地中间收入的30%的人，公共住房机构会对申请者进行严格的调查，调查内容包括家庭收入、财产、有无犯罪记录等等，通过调查的家庭可以列入等候名单。
这些补贴主要分为三类：
第一类：是被补贴者可以用它租房住，也可以用来支付买房的月付（美国目前，每年有170亿美元用于这个项目，这个凭证的最高限额是每个月2200美元）
第二类：适合租房者。以租户为基础，受补贴者可以自由选择居住地区及承租类型，租金补贴由地方住房公共机构直接付给屋主，剩余部分租金则由租户直接付给屋主，当然所租房屋租金是有上限的，一般来说是根据当地平均水准设定的。
第三类：适合租房者。以房屋为基础，就是受补贴者只能将补贴用于租赁被指定的住房。政府预先与房东商量好，将房东的房子作为住房补贴房，固定出租给得到住房补贴的家庭，同样租房者需要付不超过30%的收入作为租金的一部分，不足部分由政府支付，收入少付的少，比如月收入2千，就付600。
如果房子是自己买的，那么是同等待遇，用收入的30%付月供，由于住房补贴项目，使得低收入家庭容易找到比较适合的房子，所以大受欢迎，目前全民享受到的这项政策的好处约有300万户居民，除了联邦政府的租房补贴项目外，各地还有自己的住房补贴项目！
美国版的穷人在房屋上：49%的家庭是拥有独立住宅，41%的家庭是拥有公寓，10%的家庭拥有活动房屋。美国版的穷人在汽车上：人人有车，一家有几人就有几辆车。这就是美国版的穷人~
04. Cost and Security of Housing Expenses
Housing insurance services
It is possible to buy insurance for a house in the United States! For example, in some areas, there may be unforeseeable natural disasters such as typhoons and floods. If you are willing, you can purchase home insurance, and in case of a natural disaster, you will receive good compensation.
Courtyard maintenance expenses
Courtyard maintenance requires money, such as building branches and leveling lawns, but as long as you don't slack off, you can actually do it yourself.
Community expenses
If the real estate you buy in the United States has community management, there will be a community fee, which depends on the number of public facilities in the community.
05. Housing subsidies and welfare guarantees
The US federal government provides housing subsidies to the poor in many different ways.
Elderly low-income individuals can move into senior apartments, while low-income individuals who wish to buy a house can apply to purchase limited price housing.
For low-income families who cannot afford rent, there is a housing subsidy program.
Commonly known as Section 8, this subsidy program operates in accordance with the provisions of Section 8 of the Housing Act and subsequent supplemental regulations. Section 8 is the Eighth Housing Subsidy Program, originally the U.S. Occupancy Act of 1937, which has been repeatedly modified and supplemented. It authorizes subsidies to be issued to private apartment owners or low-income individuals to help low-income families afford to rent. The U.S. Department of Housing and Urban Development is the federal agency specifically responsible for the operation of low-income subsidies.
The so-called low-income individuals, according to the definition of the Ministry of Housing and Urban Development, are those whose income is less than 30% of the local median income. Public housing agencies will conduct strict investigations on applicants, including household income, property, criminal records, and so on. Families that pass the investigation can be included in the waiting list.
These subsidies are mainly divided into three categories:
The first category: It can be used by the subsidized person to rent a house or pay the monthly payment for buying a house (currently, $17 billion is used annually for this project in the United States, and the maximum limit for this voucher is $2200 per month)
Category 2: Suitable for renters. Based on tenants, beneficiaries can freely choose their residential area and type of lease. Rent subsidies are directly paid to homeowners by local housing public institutions, while the remaining rent is paid directly to homeowners by tenants. Of course, there is a limit to the rent of the rented property, which is generally set based on the local average level.
The third category: suitable for renters. Based on housing, the subsidy recipient can only use the subsidy to rent designated housing. The government has agreed in advance with the landlord to use the landlord's house as a subsidized housing and rent it out to families who receive housing subsidies. Similarly, renters need to pay no more than 30% of their income as part of the rent, and the government will cover the shortfall. For example, if the monthly income is 2000 yuan, they will pay 600 yuan.
If the house is bought by oneself, then it is treated equally, with 30% of income paid for monthly payments. Due to the housing subsidy program, low-income families can easily find suitable houses, so it is very popular. Currently, about 3 million households are benefiting from this policy. In addition to the federal government's rental subsidy program, various regions also have their own housing subsidy programs!
The American version of the poor in terms of housing: 49% of households own independent homes, 41% of households own apartments, and 10% of households own mobile homes. The American version of the poor in cars: everyone has a car, and every family has a few cars. This is the American version of the poor~