租房vs买房比较计算器 | money-calc.com

免费租房买房对比计算器。综合考虑房贷、税费、维护成本、机会成本和房价涨幅，计算总费用和盈亏平衡年份。

房屋净值改变一切

租金是纯粹的支出；房贷月供则一部分是支出，一部分是强制储蓄。计算器为买方计入房屋净值——升值后的房屋价值减去剩余贷款——并扣除把首付占用所产生的机会成本，那笔首付本可投到别处。逐年比较这些经过调整的总额，才能得出有意义的盈亏平衡点，而不是仅仅拿一张租金账单去和一笔月供相比。

以假设输入给出的算例

一套400,000 $的住房，首付20 %（80,000 $），6.5 %、30年期房贷（在320,000 $本金上每月2,022.62 $），房产税1.2 %，维护费1 %，HOA费用100 $，升值率2 %，机会收益率7 %——相比之下租金为每年上涨3 %的2,000 $。购买在第13年达到盈亏平衡。稍微调高升值率或租金涨幅，答案就会移动好几年，这正是图表的用途。仅供参考。

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.