Stay or buy?

Rent vs Buy Calculator

Stack rent growth against ownership costs, equity, and appreciation to see whether buying actually earns its keep in your timeline.

Inputs

Run the numbers

Monthly rentCurrent or projected monthly rent.

Annual rent increaseExpected yearly growth in rent.

Home priceTarget purchase price.

Down paymentCash put down at purchase.

Interest rateAnnual mortgage rate.

Mortgage termLoan term in years.

yrs

Property tax rateAnnual tax rate as a percent.

Monthly insuranceOwner insurance estimate.

Monthly HOAAssociation dues if needed.

Annual appreciationExpected yearly home-value growth.

Years to stayHow long you expect to keep the property.

yrs

Buy-side closing costsEstimated purchase-side costs as a percent of price.

Sell-side costsEstimated future selling costs as a percent of price.

Result

Estimated owner payment

$3,451

5-year rent spend

$185,238

5-year sale equity

$119,369

Upfront buy cash

$59,300

Projected home value

$539,062

Buy vs rent edge

$38,219

Short stays often punish buyers because closing and selling costs are real.
Longer stays let appreciation and principal paydown matter more.
This scenario gets more accurate when you tune rent growth and the local tax input honestly.

Hybrid lead capture

Send the detailed report and route the follow-up to the right next step.

We will email the assumptions, multi-year view, and the result so you can compare neighborhoods or timing decisions later.

At 5 years, buying projects about $38,219 better than renting in this scenario.