房价租金比计算器
计算房价与年租金的比率，判断买房还是租房更划算。
Price-to-Rent Ratio
15.2
Price-to-Rent Ratio vs Comparable Monthly Rent
公式
## Price-to-Rent Ratio Analysis The price-to-rent ratio helps determine whether buying or renting is more favorable in a given market. ### Formula **Price-to-Rent Ratio = Home Price / Annual Rent** ### Interpretation - Below 15: Buying is generally favorable - 15 to 20: Closer to neutral; depends on personal factors - Above 20: Renting may be more cost-effective - Above 25: Strongly favors renting over buying
计算示例
A home costs $400,000 to buy, while comparable rentals cost $2,200 per month.
- 01Annual rent: $2,200 x 12 = $26,400
- 02Price-to-rent ratio: $400,000 / $26,400 = 15.2
- 03Rent as % of price: $26,400 / $400,000 x 100 = 6.60%
- 04A ratio of 15.2 is in the neutral zone, slightly favoring buying
常见问题
What does the price-to-rent ratio tell me?
It gives a quick snapshot of whether buying or renting is more economical in a market. Low ratios favor buying; high ratios favor renting. It does not account for tax benefits, maintenance, or opportunity costs of the down payment.
Why do different cities have different ratios?
Markets where home prices have risen faster than rents will have high price-to-rent ratios. Affordable markets with moderate prices often have lower ratios. Supply, demand, and local economics all play a role.
Should I only use this ratio to decide?
No. Also consider your time horizon, tax benefits of ownership, maintenance costs, job stability, local appreciation trends, and personal lifestyle preferences.