For Buyers
Buy vs. Rent Calculator
Model the true, multi-year cost of owning versus renting — with equity, appreciation and opportunity cost all in.
How long you'll stay7 yrs
Home appreciation4% / yr
Rent increases4% / yr
Includes ~2% buyer closing costs, property tax, insurance, a maintenance/HOA reserve, and the opportunity cost of investing your down payment at 6% if you rented instead. Estimates only — not financial advice.
Buying comes out ahead
$79,930
less to own than to rent over 7 years, after selling costs.
- Monthly payment (P&I)
- $6,068
- Home value in 7 yrs
- $1,579,118
- Your equity at sale
- $616,375
- Buying pulls ahead
- Year 6
Talk it through
Want the real numbers for your home?
These estimates get you close. For an exact, property-specific figure — and a plan tailored to your goals — Alex will prepare one personally, at no cost and no obligation.