Cities vs. the suburbs: 3 key differences between who lives where

{1} 根据最近的INSIDER和Morning Consult调查，超过一半的城市居民认为自己很穷或是工人阶级。同时，超过生活在郊区的人中有一半认为是一定程度的中产阶级。虽然这两个群体在经济上相似，但这些调查结果反映了城市居民和郊区居民之间最大的三个差异：人口统计，生活成本和生活方式。根据INSIDER和Morning Consult最近对4,400名美国人进行调查的调查，访问Business Insider的主页以获取更多故事。超过一半的城市居民认为自己是穷人或工薪阶层。在总受访者中，1,107人表示他们住在市区，1,901人表示他们住在郊区。在回应者中，只有37％的城市居民认为自己是中产阶级或中产阶级。相比之下，居住在郊区的人中有一半以上认为他们是中产阶级或中产阶级 - 大约14％的人认为他们很穷，大约27％的人说他们是工人阶级。根据许多调查回复，那些生活在城市里的人和那些住在郊区的人在经济上非常相似 - 但是他们的阶级认同反映了他们之间的三个主要差异：人口统计，生活成本和生活方式。城市居民更年轻，收入更少生活在城市地区根据调查显示，这往往会减少回家的钱。生活在城市的人口中有近60％的人不到5万美元;近30％的收入在50,000到100,000美元之间，只有11％的收入超过100,000美元。在郊区，不到一半的收入低于50,000美元，34％的家庭收入在5万美元到10万美元之间，近20％的收入超过10万美元。收入水平的差异可能归因于城市地区是年轻人的家园。居民，他们的职业生涯可能并不多。大约42％是Z世代或千禧一代（18至37岁），大约33％是婴儿潮一代（54岁及以上）。这与30％相比Z世代和千禧一代以及将近44％的婴儿潮一代居住在郊区。大约四分之一的X世代（38岁至53岁）居住在这两个地区。更多：负债累累的千禧一代中有近一半人认为大学不值得，原因很明显考虑到千禧一代比婴儿潮一代有更多学生贷款，更大千禧一代在城市地区的比例可以解释为什么更多的城市居民有学生贷款 - 以及为什么他们可能会感到贫困。大约31％的城市居民目前正在偿还学生贷款，相比之下，居住在郊区的人数为21％。后者中有一半以上甚至从未有学生贷款，相比之下，不到一半的城市居民。学生贷款债务使年轻一代更难以建立财富。他们也没有足够的时间来建造财富，因为婴儿潮一代通常是郊区的特征。城市的生活成本上升在城市中拯救更加困难，城市变得越来越昂贵。根据GoBankingRates的说法，在萨克拉门托和休斯敦这样的城市中，美国中产阶级的生活成本增加尤为严重。城市居民可能更倾向于认为他们不属于中产阶级，因为许多人没有房子 - 调查显示，近一半是租房者，而郊区居民的比例略高于四分之一。居住在郊区的人中约有61％拥有房屋。这反映了城市生活方式和生活成本 - 根据学生贷款英雄的数据，从1960年代到2000年，根据通货膨胀调整后，租金增加了46％。据Zillow称，目前的美国租金中位数为1,650美元。阅读更多：纽约和旧金山等城市的租金非常昂贵，以至于它们将人们定价在房地产市场之外，而其中一些人正在转向家用船而不是家庭所有权和汽车拥有权通常都会随手而归 - 这就更有意义了生活在郊区的人比城市拥有一辆汽车。郊区居民也在交通上花费更多 - 超过一半花费10美元每月250美元，每月只花费不到50美元，而居住在城市地区的人只有30％。这一发现反映了城市生活方式 - 居民更有能力通过步行，骑自行车或使用公共交通工具来游览比需要为日常通勤支付天然气费用的郊区居民。城市生活方式创造了更紧缩的预算随着生活成本和学生贷款债务的增加，城市居民可能更倾向于对可自由支配的支出进行预算。例如，他们在外出就餐时比郊区居民节省更多，即使市区通常提供更多的用餐选择。生活在郊区的人中，有一半以上的人每月外出就餐费用在50美元到250美元之间，相比之下，大约46％的城市用餐 - 居民。相比大约32％的郊区居民，近37％的城市居民每月外出就餐不到50美元。考虑到一些城市居民只需购买必需品就需要更多钱，这并不奇怪。当被问及如何多花1000美元时，生活在城市和郊区的人优先使用它来偿还债务，储蓄和投资 - 但更多生活在城市地区的人会用它来购买必需品。 { 1}{0}{1}

More than half of city-dwellers consider themselves poor or working class, according to a recent INSIDER and Morning Consult survey.Meanwhile, more than half of those living in suburban areas identify as some level of middle class.While these two groups are fairly financially similar otherwise, these findings reflect three of the biggest differences between city- and suburban-dwellers: demographics, cost of living, and lifestyle.Visit Business Insider's homepage for more stories.More than half of those living in cities consider themselves poor or working class, according to a recent survey by INSIDER and Morning Consult, which polled 4,400 Americans. Of the total respondents, 1,107 said they live in an urban area and 1,901 said they live in a suburban area. Of those who responded, only 37% of city-dwellers consider themselves middle class or upper middle class. In contrast, more than half of those living in suburban areas think they're middle class or upper middle class — around 14% said they're poor and roughly 27% said they're working class.According to many of the survey responses, those living in the city and those living in the suburbs are otherwise pretty similar financially — but their class identifications reflect the three key differences between them: demographics, cost of living, and lifestyle.City-dwellers are younger and earn lessThose living in urban areas tend to take home less money, according to the survey. Nearly 60% of those living in cities make less than $50,000; nearly 30% earn between $50,000 and $100,000 and only 11% earn more than $100,000. In the suburbs, a little less than half earn less than $50,000, 34% bring home between $50,000 and $100,000, and nearly 20% make more than $100,000.The difference in income levels may be attributed to the fact that urban areas are home to younger residents, who likely aren't as far along in their careers. Around 42% are Gen Z or millennials (aged 18 to 37) and roughly 33% are baby boomers (age 54 and up). That's compared to 30% of Gen Z and millennials and nearly 44% of boomers living in suburban areas. Roughly a quarter of Gen Xers (age 38 to 53) live in both areas.Read more: Nearly half of indebted millennials say college wasn't worth it, and the reason why is obviousConsidering that more millennials than boomers have student loans, the larger share of millennials in urban areas may explain why more city-dwellers have student loans — and why they might feel poor. Around 31% of city-dwellers are currently paying off their student loans, compared to 21% of those living in the suburbs. More than half of the latter have never even had student loans, compared to less than half of city-dwellers.Student loan debt has made it harder for younger generations to build wealth. They also haven't had as much time to build wealth as boomers, who typically characterize the suburban area.Cities have seen hikes in cost of livingIt's even more difficult to save in cities, which have become increasingly expensive. A big cost of living increase has hit America's middle class particularly hard in cities like Sacramento and Houston, according to GoBankingRates.Urban residents may be more inclined to feel they're not part of the middle class because many don't own a home — nearly half are renters, compared to a little more than a quarter of suburban residents, according to the survey. Around 61% of those living in the suburbs own a home. This is a reflection of both city lifestyle and living costs — rents have increased by 46% from the 1960s to 2000 when adjusted for inflation, according to Student Loan Hero. The current median US rent, according to Zillow, is $1,650. Read more: Rent in cities like NYC and San Francisco is so expensive that it's pricing people out of the real-estate market, and some of them are turning to houseboats insteadHomeownership and car ownership usually go hand — it makes sense then, that more of those living in the suburbs than the city own a car. Suburban-dwellers also spend slightly more on transportation — more than half spend $100 to $250 a month and only a quarter spend less than $50 a month, compared to 30% of those living in urban areas.This finding mirrors city lifestyle — residents are more able to get around by walking, riding a bike, or using public transport than suburban residents, who need to pay for gas for daily commutes.The city lifestyle creates tighter budgetsFaced with higher costs of living and student loan debt, city residents may be more inclined to budget on discretionary spending. For example, they save more than suburban residents when eating out, even though urban areas typically offer more dining options.More than half of the those living in suburban areas spend $50 to $250 eating out a month, compared to roughly 46% of city-dwellers. Nearly 37% of urbanites spend less than $50 eating out a month, compared to roughly 32% of suburban residents.It's not surprising considering that some city residents need more money just to buy essentials. When asked how they would spend an extra $1,000, those living in both urban and suburban areas prioritized using it to pay debt, save, and invest — but more of those living in urban areas would use it to purchase necessities.

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