买房还是租房？ 这个问题很复杂。如果设定简化模型，不计维修装修，不计经纪人的6%，首付20%，房价年增值假定3%。300000$的房子五年后售出，计算如下： 

Year	Beginning Balance	pay to principle	tax	Interest	total Payment	money return	money no return	sold price	net earning
1	$240,000	$3,638	$3,840	$11,560	$15,198	$3,638	$15,400	$300,000	$3,638.00
2	236,362	$3,819	$3,840	11,379	15,198	$7,457	$30,619	$309,000.00	$16,457.00
3	232,544	$4,008	$3,840	11,190	15,198	$11,465	$45,649	$318,270.00	$29,735.00
4	228,537	$4,207	$3,840	10,991	15,198	$15,672	$60,480	$327,818.10	$43,490.10
5	224,331	$4,415	$3,840	10,783	15,198	$20,087	$75,103	$337,652.64	$57,739.64

 五年付利息和税75103$，月均1200$，这相当房租(1000sf)。就是说您别无选择，得交这1200$或交房东或交银行。不过住得好多了。如果房子以337652$售出，可收回首付，还可拿回本金20087和获利37652$，加上五年免税的10000$，投资回报是60%。 重要的是选有增值潜力的房子和无额外消耗的房子。见教各位高人！