
內政部資料顯示,全國22縣市中有19縣市住宅平均屋齡超過30年,其中雲林、嘉義、澎湖三縣市平均屋齡超過40年,進入超高齡住宅階段。專家指出,都會區老舊住宅缺乏更新機制,新屋供給不足,導致住宅市場新陳代謝停滯,老人困老屋問題將日益普遍。
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台灣正面臨人口老化問題,同時住宅存量老化加速,特別是都會區大量40年以上老公寓缺乏更新機制,新屋供給不足導致市場停滯。
全國有19縣市的住宅也邁入高齡趨勢。(記者徐義平攝)
〔記者徐義平/台北報導〕台灣不單進入超高齡社會,且短時間內已經難以扭轉人口老化趨勢,另一方面全國住宅老化問題也跟著加劇。
根據內政部不動產資訊平台最新發布,第二季全國房屋稅籍住宅平均屋齡約34.46年,22縣市中,僅有桃園市、新竹縣以及金門縣等三縣市平均屋齡還未達30年,換句話說,全國有19縣市的住宅也邁入高齡趨勢,甚至有3縣市平均屋齡超過40年,雲林縣住宅平均屋齡約41.31年、 嘉義縣約41.32年以及澎湖縣約44.33年,顯示已邁入超高齡住宅現況,房產業者憂心,未來台灣「老人困老屋」的情況將越來越普遍。
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信義房屋不動產企研室專案經理曾敬德表示,早年住宅需求旺盛,尤其當時示範住宅主要以公寓型產品大量複製到供給端,因此,目前台北市有一堆屋齡40年以上的老公寓就是因為這個原因。
根據內政部發布資訊,全國22縣市中,30年以上老屋占比低於5成,僅有桃園市、新竹縣、新竹市以及金門縣等4縣市,反觀30年以上老屋占比逾7成的縣市竟有8個,包括台北市、彰化縣、雲林縣、嘉義縣、屏東縣、台東縣、花蓮縣以及嘉義市,又以嘉義縣占比最高、約74.58%,其次則是台北市、約74.47%,換算台北市每1.34宅就有1宅屋齡30年起跳。
高力國際不動產業主代表服務部董事黃舒衛表示,都會區住宅屋齡全面老化,反映出兩大供給盲區,包括舊庫存缺乏退場機制,以及都會區能夠開發的素地稀缺,造成房市新增供給端速度緩慢,無法產生足夠新成屋來替換或淘汰老舊建築,導致整體住宅市場的新陳代謝陷入停滯。
新屋供給少且慢 導致無法替代老屋
再來則是人口與老宅高度鎖定蛋黃區,尤其就業、醫療與生活機能高度集中於成熟舊市區,長者已習慣既有生活圈且不願搬遷,促使「老人口聚居老市區」的現象持續深化。
馨傳不動產智庫執行長何世昌表示,台灣已成為人老、屋老的「雙老國度」,老人住老房子所衍生的居住安全、修繕及出入不便的問題,更已成為高齡族群普遍困擾的事情。因而,長者購屋越來越傾向選擇有電梯的大樓,需要爬樓梯的公寓逐漸被捨棄,這種現象導致都會區公寓、大樓價差持續擴大,預料此趨勢恐將從主要都會區蔓延至全國。
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Tokyo's new rule requiring property buyers to declare nationality is raising investor concerns, according to analysts, who also note Japan's shift from ultra-loose monetary policy to interest rate normalization is reducing demand for real estate assets, with the country recording $27.2 billion in property investment in the first half of the year, second only to mainland China in Asia-Pacific.

Since the central bank implemented the seventh wave of selective credit controls in 2024, the mortgage burden rate in Taiwan and the six major cities has dropped from 44.30% to 41.46%, a decrease of 2.84 percentage points. Taipei City saw the largest decrease of 4.41 percentage points, but the mortgage burden rate across Taiwan is still at a low level, with more than 50% in the two northern regions. The threshold for home purchase has not dropped significantly. Young people and first-time homebuyers still face the dilemma of high down payments and strict loan review.

From 2015 to September 2026, Taipei City’s net population emigration has accumulated to approximately 294,000 people, which is equivalent to the total population of Chiayi City. Da'an District has the largest emigration population, accounting for 13.5% of the city's emigration. High housing prices and old houses are the main reasons. Outmigration of the population has driven up housing prices in New Taipei, Taoyuan and other places.

The proportion of the population aged 65 and above in Taipei City reaches 24.76%, the highest in the country, and the proportion of old houses over 30 years old reaches 74.47%, creating a situation of "old people trapped in old houses". Industry players pointed out policy blind spots and suggested integrating resources across domains, using mechanisms such as housing pensions and nursing home trusts to convert the net value of old houses into cash flow, and provide leasing and escrow services to create an age-friendly living environment.

As of December last year, the number of mortgage borrowers over the age of 65 in Taiwan reached 61,600, a record high since records began in 2009, an increase of 6,900 over the same period last year, an increase of more than 12%. Experts point out that this trend reflects the impact of a super-aged society and delayed retirement. The purpose of loans has also expanded from home purchases to asset allocation and wealth inheritance. However, banks still maintain a cautious lending attitude.
The Guangxi Finance Department recently allocated 297 million yuan in real estate consumption promotion funds, focusing on consumption subsidies such as new housing purchases and rentals, to increase support for the digestion of existing commercial housing, expand housing consumption scenarios, and help the stable and healthy development of the real estate market.