费用上涨使加利福尼亚的租房或买房困难重重,拥有住房可带来长期收益,但需要大量预付资金。 Rising costs make renting or buying home in California difficult, with owning offering long-term gains but requiring significant upfront funds.

在加利福尼亚州,房价和按揭利率的上涨加剧了租房的辩论。 In California, rising home prices and mortgage rates have intensified the rent-vs-own debate. 一项为期30年的比较显示,租住一所4 000美元的房屋,最初的费用低于购买一所900 000美元的房屋,订金为10%,抵押贷款为6.5%,包括收费和税收。 A 30-year comparison shows renting a $4,000 home initially costs less than buying a $900,000 house with a 10% down payment and 6.5% mortgage, including fees and taxes. 虽然租户长期支付更多,但房主从股本增长中受益,住房可能价值380万美元,假设每年升值5%,远远超出租户通过将首期付款投资于股票所能得到的好处。 While renters pay more over time, homeowners benefit from equity growth, with the home potentially worth $3.8 million assuming 5% annual appreciation—far exceeding what renters could gain by investing the down payment in stocks. 然而,加利福尼亚州的住房负担能力危机使两种选择都具有挑战性,因为许多居民将一半以上的收入花在住房和房屋拥有率仍然很低。 However, California’s housing affordability crisis makes both options challenging, as many residents spend over half their income on housing and homeownership rates remain low. 高成本、以往的贷款风险和收入停滞意味着决定往往比金融战略更能反映经济生存。 High costs, past lending risks, and stagnant incomes mean the decision often reflects economic survival more than financial strategy.