Tools · For deciders

Buy vs rent, honestly.

A projection over the number of years you actually plan to stay. Includes appreciation, taxes, and rent growth. Illustrative only — real decisions include your particular loan, income, and life.

Home price

Down payment %

Interest rate

Property tax rate

Annual appreciation

Equivalent monthly rent

Annual rent growth

Years to project

Breakeven year

None in range

Renting stays cheaper across the projection window. Try a longer horizon or lower purchase price.

Buy (net)Rent

Year 1Year 10

Cumulative buy

$499,680

After 10 years, net of appreciation

Cumulative rent

$461,035

After 10 years, with rent growth

Illustrative. Assumes a 30-year fixed mortgage, 1% annual maintenance, and no tax adjustments for interest or property taxes. Real analysis should include your specific loan terms and tax situation.