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Rent vs Buy Calculator
Compare the true net cost of renting versus buying over your time horizon — including appreciation, maintenance, and what your down payment could earn invested instead.
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Your results
Net cost of buying
$148,396
Net cost of renting
$244,617
Buying comes out ahead by $96,221 over 10 years.
This assumes your home appreciates 3.5%/yr (ending value $592,451, equity $287,257) and that money not tied up in a down payment earns 7%/yr elsewhere. There's more to the decision than the math — stability, flexibility, and lifestyle matter too.
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