05 · 租 vs 買
在紐約幾年後買房勝過租房？
誠實的答案取決於您的時間長度。我們納入 Mansion Tax、MRT 以及賣房的真實成本，包括 Co-op 出售時的 Flip Tax。
輸入資料
房屋類型
回本點
Buying beats renting after
15+ yrs
Buyer comes out ahead at year —, assuming you'd sell at that point and pay NYC closing costs on the way out.
| Year | Buyer net worth | Renter portfolio |
|---|---|---|
| 1 | $189,761 | $338,243 |
| 3 | $282,296 | $461,694 |
| 5 | $382,326 | $593,524 |
| 7 | $490,572 | $734,351 |
| 10 | $670,119 | $963,933 |
| 15 | $1,023,151 | $1,401,832 |
購屋前期現金
Includes mansion tax — 1.00% tier · $12,000. Effective rate: 1.00%.
$279,480
月本息 (P&I)
$6,147
持有成本 + 稅
$1,517
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