Calculadora Avanzada de Comprar vs Alquilar Gratis
Análisis detallado de comprar vs alquilar considerando apreciación, impuestos, costos de oportunidad y horizonte temporal.
Appreciation Gain
$91,950
Appreciation Gain vs Comparable Monthly Rent
Fórmula
## Buy vs Rent Comparison Deciding whether to buy or rent depends on how long you plan to stay, local price-to-rent ratios, your opportunity cost of capital, and personal lifestyle preferences. ### Buying Costs - Down payment (opportunity cost of locked capital) - Monthly mortgage payments (principal + interest) - Property taxes, insurance, and maintenance - Closing costs at purchase and sale ### Renting Costs - Monthly rent (increasing over time) - Renter's insurance (relatively small) - No maintenance or tax obligations - Savings from not making a down payment can be invested ### General Guidelines - Buying generally wins if you stay 5+ years in most markets - High price-to-rent ratios favor renting - The break-even horizon depends heavily on appreciation and rent growth rates
Ejemplo Resuelto
A $400,000 home with 20% down at 6.5% vs. renting at $2,200/month with 3% annual rent increases, over a 7-year horizon with 3% appreciation.
- 01Down payment: $400,000 x 20% = $80,000
- 02Loan amount: $320,000
- 03Monthly mortgage (30-yr): approximately $2,023
- 04Total mortgage over 7 years: $2,023 x 84 = $169,932
- 05Total taxes + insurance + maintenance: ($5,000 + $1,800 + $4,000) x 7 = $75,600
- 06Total buying cost: $80,000 + $169,932 + $75,600 = $325,532
- 07Home value after 7 years: $400,000 x 1.03^7 = $491,918
- 08Total rent paid: approximately $197,045
Preguntas Frecuentes
How many years do I need to stay for buying to make sense?
In most markets, the break-even point is 4-7 years. This depends on closing costs, appreciation rates, and local rent levels. Use this calculator with your specific numbers to find your personal break-even.
Does this calculator account for tax benefits?
This simplified version does not include mortgage interest deduction or property tax deduction. For most homeowners under current tax law, the standard deduction exceeds itemized deductions, so the tax benefit is often smaller than assumed.
What if home values decline?
If appreciation is negative, buying becomes more costly. You can enter a negative appreciation rate in this calculator. Even a flat market (0% appreciation) can make renting more attractive in the short term.