Rent vs. Buy Calculator

Compare projected renter cost with simplified homeowner cost and equity over a chosen period.

Monthly rent ($)

Annual rent increase (%)

Home price ($)

Down payment ($)

Mortgage rate (%)

Annual tax, insurance, maintenance, HOA ($)

Annual home appreciation (%)

Comparison years

Selling cost (% of future value)

Your result

Complete the fields and select Calculate to see the result.

Planning estimate only. Rates, fees, taxes, investment returns, insurance, eligibility, and contract terms can change the result; verify decisions with the relevant lender, plan, agency, or licensed professional.

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