Rent vs Buy Calculator

Compare the full cost of renting against buying a home over the years you plan to stay. See which is cheaper, your total cost each way, and the break-even picture.

Home Price ($)Down Payment (%)Mortgage Interest Rate (%)Loan Term (years)Monthly Rent ($)Years You Plan to StayHome Appreciation (%/yr)Rent Increase (%/yr)Investment Return (%/yr)Property Tax Rate (%/yr)Maintenance + Insurance (%/yr)Buying Closing Costs (%)Selling Costs (%)

This rent vs buy calculator provides educational estimates only and is not financial, tax, or real estate advice. Results depend heavily on assumptions about appreciation, rates, and how long you stay. Confirm your numbers with a qualified professional before making a housing decision.