Exploring the Correlation Between Wages and Housing Prices - Applying Excel Solver to Construct a Housing Loan Dynamic Analysis Calculator

Starting a family has long been a key life goal for many, yet in recent years, the number of people remaining unmarried and childless has steadily increased. This shift is influenced not only by evolving social structures and personal values, but also by growing economic pressures, persistent inflation, and broader environmental uncertainties. Although Taiwan’s minimum wage has risen for eight consecutive years, these gains have been largely eroded by rising living costs, diminishing real purchasing power. Consequently, for many young people, buying a home has become an increasingly distant dream.This study investigates the rationality of housing prices in Taiwan by comparing global housing trends, evaluating current domestic housing prices, and analyzing the salary levels of Taiwanese workers. It also examines the affordability of home loans and the correlation between wage growth and property prices to assess the financial burden on prospective homeowners. To provide more practical insights, the study integrates Excel Solver to create a dynamic mortgage analysis calculator that links income levels with housing costs.Through this comprehensive approach, the research highlights the critical challenges facing today’s young adults in achieving homeownership. Finally, it offers actionable strategies and policy suggestions aimed at improving housing affordability and helping the younger generation move closer to realizing their dream of owning a home.