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🏘️ Real Estate

Rent vs Buy Calculator

Compare the total cost of renting versus buying a home over time, including equity and appreciation.

$
$
20%
6.50%
7 yrs
3%/yr

🏠 Buying looks better over 7 years

Net cost to buy

$164,399

Total rent paid

$168,000

Break-even point: ~7 years

Assumes 30-yr mortgage · 1.2% property tax · 1% maintenance · 0.5% insurance · 3% closing costs · 6% selling costs

Tool overview

Compare the long-term cost of renting versus buying a home.

  • • Net cost comparison
  • • Break-even year
  • • Appreciation model

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