Rent vs Buy Calculator

Compare the true cost of renting vs buying a home. Factor in mortgage payments, property taxes, maintenance, rent increases, and investment opportunity costs.
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See whether renting or buying makes more financial sense for your situation

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Factors That Decide Rent vs Buy

1

Length of Stay

Buying usually wins if you stay 5+ years. Shorter stays favor renting due to closing costs.

2

Price-to-Rent Ratio

Divide home price by annual rent. Below 15 = buy, above 20 = rent, 15-20 = depends on your situation.

3

Investment Opportunity

The down payment and monthly savings could earn returns if invested elsewhere instead.

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