Rent vs Buy Calculator

We project total cost of ownership (mortgage, taxes, insurance, maintenance, opportunity cost) versus total cost of renting (rent, renter’s insurance) over your time horizon.

It’s the number of years where buying becomes cheaper than renting given your assumptions. Change appreciation, rent growth, and investment returns to see sensitivity.

Home appreciation, rent growth, investment return on the down payment, and how long you’ll stay. Closing costs and selling costs matter when moving sooner.

Try the Home Affordability Calculator and Mortgage Calculator to refine numbers for your market.