Tools

Rent vs buy

Stress-test rent growth, appreciation, and ownership costs to see which path may win over your horizon.

Monthly rent ($)

Home price ($)

Down payment (%)

Mortgage rate (%)

Property tax rate (%)

Insurance / mo ($)

HOA / mo ($)

Maintenance (% / yr)

Appreciation (% / yr)

Rent growth (% / yr)

Horizon (years)

Selling costs (%)

Monthly ownership cost

$10,054

Total rent paid$349,408

Est. buy net cost$618,259

Est. equity after sale costs$516,318

Renting looks ahead over 7 years under these assumptions. Net edge: $268,851 toward renting.

Simplified model — ignores tax deductions, opportunity cost of down payment, and refinance options.

Next step

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