賃貸vs購入比較計算機 | money-calc.com

無料の賃貸・購入比較計算機。住宅ローン、固定資産税、維持費、機会費用、価格上昇を考慮した総費用と損益分岐年を計算。

持ち分(エクイティ)がすべてを変える

家賃は純粋な費用ですが、住宅ローンの返済は一部が費用、一部が強制的な貯蓄です。この計算機は購入者に持ち分——値上がりした住宅価値から残債を引いた額——を加算し、他に投資できたはずの頭金を固定する機会費用を差し引きます。そうして調整した合計を年ごとに比較することが、単に家賃の支払いとローンの返済を比べるのではなく、意味のある損益分岐点を生み出します。

仮の入力値で解いた例

価格400,000 $の住宅、頭金20 %(80,000 $)、年6.5 %の30年ローン(320,000 $に対して毎月2,022.62 $)、固定資産税1.2 %、維持費1 %、HOA費用100 $、値上がり率2 %、機会収益率7 %——これに対し家賃は毎年3 %上がる2,000 $です。この場合、購入は13年目に損益分岐点に達します。値上がり率や家賃の上昇率を少し動かすだけで答えは何年も動き、グラフはまさにそのためにあります。情報提供用です。

How to Use

  1. Home Details — Enter home price, down payment %, mortgage rate, and term
  2. Ongoing Buy Costs — Enter property tax rate, maintenance %, monthly HOA, and home appreciation rate
  3. Rent Details — Enter monthly rent and annual rent increase rate
  4. Comparison Settings — Set the comparison period and opportunity cost rate for your down payment
  5. Calculate — Click Calculate to see total buy vs rent costs, break-even year, and cost chart

FAQ

What is the opportunity cost of a down payment?

Money used for a down payment could instead be invested. The opportunity cost rate estimates what that money would have earned — typically 7% for a diversified stock portfolio. This is subtracted from buy costs.

Why might buying be more expensive in the short term?

Early mortgage payments are mostly interest, and transaction costs are high. In the first few years, total buy costs often exceed total rent costs. The break-even year shows when buying becomes cheaper.

Does home appreciation always make buying better?

Higher appreciation reduces the net cost of buying by growing your equity. But it is not guaranteed. The calculator lets you adjust appreciation rate to test pessimistic and optimistic scenarios.