Rent vs. Buy Calculator

Compare the long-term cost of renting against buying.

This estimate compares average monthly cost over time and includes appreciation, mortgage payoff, selling costs, rent increases, and basic ownership expenses.

Home Purchase

Home Price Down Payment % Interest Rate % Loan Term Years Buying Closing Costs % Selling Closing Costs % Property Tax / Year % Home Insurance / Year HOA Fee / Month Maintenance / Year % Home Appreciation / Year % Cost Increase / Year %

Home Rent

Monthly Rent Rent Increase / Year % Renter Insurance / Month Security Deposit Assumes the deposit is returned at move-out. Rental Upfront Costs

Your Assumptions

Investment Return % Used to estimate the opportunity cost of upfront buying cash. Years to Compare