本文使用中国家庭金融调查（CHFS）和中国教育财政家庭调查（CIEFRS-HS）2017年的数据，研究住房财富对中小学家庭教育支出的影响。首先，本文使用普通最小二乘法（OLS）初步发现住房财富对中小学家庭教育总支出正向显著。然后，使用购房成本作为工具变量进一步得到了证明，并发现这种正向影响主要作用于校外支出：控制其他因素不变时，住房财富每上涨1%，家庭教育总支出上涨8.0%，校外支出上涨25.5%。进一步区分支出细项后发现，住房财富对非必需性教育支出的正向影响更强，包括校内发展性支出、校外补习班、校外兴趣特长班、校外自行购买课外资料和在线产品与服务的费用。因此，本文为“双减政策”促进教育机会的平等、缩小教育差距提供了证据。

This paper uses data from CHFS and CIEFRS-HS in 2017 to study the impact of housing wealth on family education expenditure in primary and secondary schools. First of all, this paper uses OLS to find that housing wealth has a positive effect on the total expenditure of family education in primary and secondary schools. Then, we use housing purchase cost as an instrumental variable, and it is found that this positive impact mainly affects off-campus expenditure: when other factors remain unchanged, for every 1 % increase in housing wealth, the total expenditure on family education increases by 8.0 %, and off-campus expenditure increases by 25.5 %. After further distinguishing expenditure details, it is found that housing wealth has a stronger positive impact on non-essential education expenditure, including school development expenditure, off-campus remedial classes, off-campus interest specialty classes, off-campus self-purchase of extracurricular materials and online products and services. Therefore, this paper provides evidence for the dual reduction policy to promote equality of educational opportunities and narrow the educational gap.