年輕新世代買家，重新定義奢華與生活方式 重新定義奢華與生活方式 隨著高達 84 兆美元的全球財富從「沉默世代」和「嬰兒潮世代」大規模轉移至 X 世代與千禧世代，年輕一代正深刻影響豪宅市場的未來發展方向。這些新興買家更加重視社群歸屬感與生活意義，同時追求自然、藝術與文化的深度融合。 全球房地產市場在過去五年經歷了劇烈變化，這些變化主要受到利率波動以及新冠疫情引發的遠距工作革命的影響。根據包括摩根大通私人銀行 ( J.P. Morgan Private Bank ) 在內的市場專家分析，豪宅市場相對而言較不受利率變動影響。然而，一個可能對其產生重大影響的因素是即將到來的大規模世代財富轉移。 根據顧問公司 Cerulli Associates 於 2022 年 1 月發布的報告，至 2045 年，出生於 1928 至 1964 年間的沉默世代 ( Silent Generation ) 與嬰兒潮世代 ( Baby Boomers )，將累計轉移高達 84 兆美元的財富給他們的子女與孫輩。受此影響，豪宅市場正在轉變，以迎合年輕世代的品味與偏好。 根據美國國家房地產經紀人協會 ( National Association of Realtors, NAR ) 2024 年 4 月的報告，許多年輕買家利用繼承財富購買人生中的第一棟房產，或升級至第二棟房屋。此外，根據《商業內幕》( Business Insider ) 2024 年 11 月的報導，富裕父母也為成年子女購置房產，有些甚至透過信託基金進行資金管理。 與此同時，女性作為獨立購房者的比例正在提升。根據 NAR 2024 年 11 月的報告，單身女性購房者的數量比單身男性高出 12%。這些重要趨勢不僅正在影響後疫情時代的豪宅市場，更可能在未來數年塑造其發展方向。 X 世代的崛起 根據 2025 年蘇富比國際房地產 ( Sotheby’s International Realty ) 調查，53% 的房地產經紀人認為 X 世代是豪宅市場中成長最快的購房群體 ( 即 1965 年至 1980 年間出生的人 ) 。他們預計將由父母那裡繼承最多的財富，根據顧問公司 Cerulli Associates 的數據顯示，這一數額估計高達 30 兆美元。根據美國國家房地產經紀人協會 ( NAR ) 2024 年的報告，X 世代在當年佔據 24% 的購房市場。此外，他們也是收入最高的群體之一，2023 年的家庭收入中位數為 126,900 美元，使其有能力購買更大的房產，平均面積達 1,940 平方英尺 ( 約 54.51 坪 )。 「許多 X 世代如今事業有成，而遠距工作模式的興起，也在塑造他們的購房需求，」蘇富比國際房地產曼哈頓東區辦公室 ( Sotheby’s International Realty - East Side Manhattan Brokerage ) 全球房地產顧問 Cathy Taub 表示。「在紐約市，X 世代偏好將辦公空間與起居區和臥室分開的格局，他們更希望將空間配置用於廚房、起居室，而非臥室，但幾乎每位買家都希望擁有配備五件套衛浴的浴室。無論是露台、陽台，抑或公寓大樓的屋頂共享空間，戶外空間往往是首要考量。此外，他們也非常看重健身房與會議室等空間。」 隨著 X 世代逐步邁入退休年齡，他們也開始尋找適合未來生活的房產。《紐約時報》( The New York Times ) 2024 年 4 月的報告指出，這一群體的購房選擇正在向擁有更大面積與更多戶外空間的需求轉移。 有些買家則正是因為更大的居住空間與戶外環境，被「花園之州」新澤西州所吸引。蘇富比國際房地產新澤西州的經紀人兼管理合夥人 Dennis McCormack 表示：「距離曼哈頓中城僅 17 英里，新澤西的郊區可以為城市上班族提供豪華的避風港。」 X 世代是成長最快的購房群體，他們的購房動機並未因高利率而趨緩，McCormack 指出，相較於過去受到利率影響，他的客戶幾乎都是全現金交易。其中約有一半的買家從事金融行業，而許多其他買家則是醫療專業人士。 「所有人都想要新建案，」他說道。「沒有人願意翻修。這意味著，對於願意施作重新裝修浴室和廚房的人來說，市場上其實有不少不錯的交易。但我的客戶珍惜時間，因此寧願支付溢價，購買全新房產。」 對於 McCormack 的 X 世代買家而言，他們最關注的一大要素是房屋的智慧化程度。「房子越智能，能提供的服務越多，就越受青睞，」他如此表示。 文章節錄自 蘇富比國際房地產 Luxury Outlook           GENERATIONAL SHIFTS The transfer of an estimated US$84T in wealth between older and younger generations is driving change in the market for high-end homes. The global real estate market has seen some dramatic shifts over the past five years, driven by fluctuating interest rates and the work-from-home revolution sparked by the global COVID-19 pandemic. The luxury property sector is somewhat insulated from things like interest rate changes, according to market experts including J.P. Morgan Private Bank. But a factor that could impact it is a massive intergenerational transfer of wealth on the horizon. According to a January 2022 report from consulting firm Cerulli Associates, by 2045 as much as US$84 trillion will have flowed from the Silent Generation and Baby Boomers — those born between 1928 and 1964 — into the bank accounts of their children and grandchildren. In response, the luxury market is changing to reflect the tastes and preferences of younger generations. Many young buyers are using an inheritance to purchase their first home or to trade up to their second, according to an April 2024 report from the National Association of Realtors ( NAR ). Wealthy parents are also buying homes for their adult children, in some cases with money placed in a trust, according to a November 2024 report by Business Insider. At the same time, women are coming into their own as independent homebuyers. They outnumbered single men by 12%, according to a November 2024 NAR report. These major trends are not only affecting the post-pandemic luxury market—they may help to define it for years to come. The Rise of Generation X Sotheby’s International Realty agents who cited Generation X as the fastest-growing demographic of homebuyers. According to the 2025 Sotheby’s International Realty agent survey, the fastest-growing group of luxury-homebuyers is Generation X — those born between 1965 and 1980. They are expected to inherit the most money from their parents, an estimated US$30 trillion, according to data from consulting firm Cerulli Associates. Making up 24% of homebuyers in 2024, according to the NAR report, Generation X is also among the highest earners, with a median income of US$126,900 in 2023, which makes them able to afford larger homes, at a median size of 1,940 square feet. “ Many Gen Xers are now well into successful careers, and the work-from-home revolution is partly shaping their needs, ” says Cathy Taub, global real estate advisor, Sotheby’s International Realty - East Side Manhattan Brokerage. “ In New York City, Gen Xers want layouts with office space separate from the living areas and bedrooms, ” Taub says. “ They prefer to have square footage allocated to kitchens and living areas as opposed to bedrooms—though they all seem to want a five-fixture bathroom. Outdoor space—whether a terrace, balcony or communal building roof space—is often a top priority, as well as amenity spaces for fitness and conference space. ” As the next to reach retirement age, Generation X is also starting to look at homes that will accommodate them in later life, according to an April 2024 report from The New York Times. Drawn by larger square footage and outdoor space, some buyers are seeking homes in the Garden State. As Dennis McCormack, broker and managing partner, Prominent Properties Sotheby’s International Realty, which has three locations in northern New Jersey, states, “ Just 17 miles from Midtown Manhattan, the suburbs of New Jersey can provide a luxurious sanctuary for city workers. ” His clients haven’t slowed their purchasing due to high interest rates, as they might have in the past, he says, since nearly all of them are buying in cash. About half his buyers work in finance, while many others are medical professionals. “ Everybody wants new builds, ” he says. “ They don’t want to renovate. That means there are some very good deals for people who don’t mind rolling up their sleeves and renovating a bathroom and a kitchen. But my clients’ time is valuable and they would rather pay a premium for a new property. ” One major concern for McCormack’s Generation X buyers is that they get the smartest home they can find on the market. “ The more automated it is, the more it can do for you, the better, ” he says. Source: Sotheby's International Realty.