免费租房与买房比较计算器
比较租房和买房的长期财务成本，帮助您做出最明智的住房决策。
USD
USD
%
%
years
Monthly Mortgage Payment
$1,769.79
Total Rent Cost$151,200
Total Mortgage Payments$148,662
Monthly Difference (Buy - Rent)-$30.21
Monthly Mortgage Payment vs Monthly Rent
公式
Rent vs Buy Comparison
This compares the monthly cost of renting vs a 30-year mortgage payment. A complete analysis would also consider property taxes, insurance, maintenance, appreciation, and tax benefits.
Rule of thumb: If the price-to-rent ratio (home price / annual rent) is above 20, renting is likely better financially.
计算示例
$1,800/month rent vs $350,000 home with 20% down at 6.5%.
- 01Down payment = $70,000, Loan = $280,000
- 02Monthly mortgage = $1,770
- 03Over 7 years: Rent = $151,200, Mortgage payments = $148,680
- 04Monthly mortgage is $30 less than rent
常见问题
What does this not include?
Property taxes (1-2% of home value/year), homeowners insurance, maintenance (1% of value/year), PMI if <20% down, and closing costs. Renting includes none of these.
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