买房:
房租1000,空置率80%,年房租收入是9600
所以gross income: 109600
tax deductible: interest 1000*12,
property tax 650 * 12,
1/2 of HOA and insurance is tax deductible (rental part) 135 *12*80%
total deductible: 21100
adjusted income: 88500, in the 25% tax bracket, personal income tax is 22000
net income: 66500 (no rent expense)
租房:
no tax deductible. tax bracket 28%
income tax: 28000
rental expense: 1200 * 12 = 14400
net income: 100000 - 28000 - 14400 = 57600
基本持平,买房稍有优势。并且有EQUITY。
对否?