Rent vs. Buy Calculator
Timeframe 5 Years
1 Year15 Years30 Years
Renting
Your current rental situation
Monthly Rent $2,200
$500$10K
Annual Rent Increase 3.0%
0%10%
Renters Insurance / mo. $20
$5$100
Buying
Your potential purchase
Home Price $450,000
$100K$5M
Down Payment 20% - $90,000
3%50%
Interest Rate 6.5%
2%12%
Home Appreciation 3.5%
0%10%
Property Tax Rate 1.2%
0.5%3%
Annual Maintenance 1.0%
0.5%3%
Verdict
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net difference over your selected timeframe
Monthly Buy Cost—
Home Value at End—
Equity Built—
Buying — Total Cost
Mortgage Payments—
Property Taxes—
Maintenance—
Down Payment (upfront)—
Minus Equity Built—
Renting — Total Cost
Total Rent Paid—
Renters Insurance—
Total—
See what buying looks like for you right now.
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Estimates only. Does not account for closing costs, HOA fees, PMI, insurance, or investment returns on alternative uses of your down payment. For educational purposes only.