Rent vs Buy Calculator

Make data-driven decisions. Compare the long-term costs of renting versus buying with 2026 market projections.

settings_input_component Property Details

Monthly Rent ($)

Annual Rent Increase (%)

3.5%

Home Price ($)

Down Payment (%)

20%

Interest Rate (%)

Loan Term (Years)

Property Tax (%)

Monthly Maintenance ($)

Home Appreciation (%/yr)

Expected Stay (Years)

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Our Recommendation

In this scenario, buying becomes cheaper than renting after year 6.

Break-even Point

5.8 Years

Total Savings

$124,500

Monthly Mortgage

Total Rent Cost

Total Buy Cost

Home Equity

Buy Rent

YR 1YR 5YR 10YR 20YR 30