🔑 Rent or Buy House Calculator
A deeper rent-vs-buy analysis for families. Compare total costs with school quality, space, and quality of life.
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family housing cost comparison
Adjust the inputs and click calculate.
Last updated: June 18, 2026
How this calculator works: It compares the full cost of buying vs renting over your planned stay. Buying costs include mortgage payments (P&I), down payment, property taxes, insurance (0.4%/yr), HOA, maintenance (1%/yr), and closing costs (3% buy, 6% sell) — minus equity gained and appreciation. Renting includes rent and renters insurance. For reference only — consult a real estate professional for your specific situation.
How this calculator works: It compares the full cost of buying vs renting over your planned stay. Buying costs include mortgage payments (P&I), down payment, property taxes, insurance (0.4%/yr), HOA, maintenance (1%/yr), and closing costs (3% buy, 6% sell) — minus equity gained and appreciation. Renting includes rent and renters insurance. For reference only — consult a real estate professional for your specific situation.