Home buying decision
Rent vs Buy Calculator
Compare the estimated net cost of renting versus buying based on how long you plan to stay, mortgage terms, home appreciation, rent growth, and investment return.
Net costrenting vs buying
Equityhome value minus debt
Break-evenholding period insight
Estimated better option
Calculating
Buying net cost$0
Renting net cost$0
Difference$0
Estimated home equity$0
Enter your assumptions to compare renting and buying.
Net cost over time
lower is betterYearly comparison
| Year | Buy net cost | Rent net cost | Difference |
|---|
How this calculator works
The calculator estimates buying costs from mortgage payments, property tax, insurance, maintenance, and selling costs, then subtracts estimated home equity. Renting costs include rent growth and the potential future value of investing the down payment.
This is a simplified planning model. Local taxes, closing costs, repairs, market returns, transaction costs, and home value changes can vary widely.