本文在居住贫穷指标基础上,构建了住房收入指标理论上限值,弥补了现有文献不足。本文依据中国35个大中城市1996-2007年住房市场数据估算了中国住房使用成本,说明了中国城市住房支付困难程度。描述性分析表明,中国大多数城市不存在严重住房支付困难问题。实证研究发现,房价比收入更能影响中国城市住房支付困难,住房面积也显著影响住房支付困难。因此,经济适用房和限价房是解决居民住房支付困难的有效措施。实证研究还发现:房改年显著降低了城市住房支付困难;人口增长率差异并未导致城市住房支付困难差异;城市住房支付困难问题并未在地理位置上表现出明显差异。 Based on the index of living poverty, this paper constructs the theoretical limit of housing income index, which makes up for the lack of existing literature. Based on the data of housing market in 35 large and medium-sized cities in China from 1996 to 2007, this paper estimates the cost of housing in China and illustrates the difficulties of housing in China. Descriptive analysis shows that most cities in China do not have serious housing problems. Empirical studies have found that housing prices more than income can affect the payment of housing in urban China is difficult, housing area also significantly affect the housing payment difficulties. Therefore, affordable housing and housing price limit is to solve the housing payment effective measures. Empirical study also found that: Housing Reform significantly reduced the difficulty of urban housing payment; population growth rate difference did not lead to urban housing payment difficulties; urban housing payment difficulties did not show significant differences in geographical location.