Home Affordability Check 2026

Enter household income and home price to see your mortgage burden ratio and price-to-income ratio against official 22-county figures (2026 Q1).

埋め込む

算法

官方算法固定為 20 年期、貸款成數 7 成、利率 2.318%，頭期款、利率與年限欄位停用。這是內政部指標的算法，和你自己的貸款條件會有落差。

你的條件
房貸負擔率
41.47%
房價所得比
9.47 倍
內政部分級（負擔能力）
偏低
貸款金額
NT$6.76M
每月房貸月付
NT$35,236
月收入（年收入除以 12）
NT$84,975

月付不超過月收入 30% 時，可貸約 NT$4.89M；對應的房價約 NT$6.99M

全國官方中位數（2026 Q1）：房貸負擔率 41.46%，房價所得比 9.47 倍。

你的負擔率 41.5%，落在「偏低」，全國官方值 41.46%

你的負擔率 41.5%，落在「偏低」，全國官方值 41.46%橫軸是房貸負擔率，背景色塊是內政部的四級分級。三個標記分別是你的算法結果、所選縣市與全國的官方值。可合理負擔略低30%偏低40%過低50%你 41.5%全國 41.5%你的負擔率 41.5%，落在「偏低」，全國官方值 41.46%橫軸是房貸負擔率，背景色塊是內政部的四級分級。三個標記分別是你的算法結果、所選縣市與全國的官方值。可合理負擔略低30%偏低40%過低50%你 41.5%全國 41.5%
圖表數字（表格）
分級房貸負擔率
可合理負擔< 30%
略低30% – 40%
偏低40% – 50%
過低≥ 50%

試算結果僅供參考，不構成財務、稅務或法律建議。實際利率、額度、寬限期與核貸條件以承貸銀行的審核結果為準，政策條件截至 2026-11-10，之後若有調整請以財政部與各銀行公告為準。

結果の見方

A higher burden ratio means a larger share of monthly income goes to the mortgage. The result is placed on the Ministry of the Interior four-level scale next to the national official figure, with the county figures listed for comparison.

The price-to-income ratio is a multiple: the larger it is, the more years of income the same home takes. Official mode uses the statistics agency’s assumptions; custom mode uses the price, income, down payment and term you enter.

この結果が出るしくみ

Mortgage burden ratio = monthly payment ÷ monthly income; price-to-income ratio = home price ÷ annual household income; the payment uses equal-payment amortization. The four level thresholds come from the notes published with the Ministry of the Interior index. Official county figures are built from 2026 Q1 median prices and median incomes.

房貸負擔率 = 月付 ÷ 月收入，房價所得比 = 總價 ÷ 年收入，本息平均攤還。四級門檻出自內政部不動產資訊平台公布的分級備註。官方各縣市數字是 2026 Q1 的中位數推算，用 20 年期、七成貸款與官方利率，連江縣官方表沒有資料。

データの出典

よくある質問

What mortgage burden ratio counts as reasonable?

The Ministry of the Interior sorts the burden ratio into four levels: below 30% is “可合理負擔”, 30% up to 40% is “略低”, 40% up to 50% is “偏低”, and 50% or more is “過低”. The 2026 Q1 national figure is 41.46%, in the “偏低” level. This is a statistical scale; what a household can actually carry also depends on its other debts and living costs.

How does the official burden ratio work?

The Ministry of the Interior assumes a 20-year equal-payment loan, a 70% loan-to-value ratio and a 2.318% rate. It takes the monthly payment on the median-priced home (NT$9.66M) and divides it by median monthly disposable household income (annual NT$1,019,700 divided by 12). The 2026 Q1 national result is 41.46%.

What is the price-to-income ratio?

The price-to-income ratio is the home price divided by annual disposable household income, expressed as a multiple: how many years of income the home costs. The 2026 Q1 national figure is 9.47. Among the counties in the official table, the highest is county.臺北市 (14.72) and the lowest is county.基隆市 (5.7).

Why does my result differ from the official figure?

The official figure fixes the median price, the median income, a 20-year term, a 70% loan-to-value ratio and a 2.318% rate. Custom mode lets you replace all of these with your own price, income, down payment, rate and term, so different inputs give different results. When comparing, check first that the term and loan-to-value ratio match.

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