🏠 Buy vs Rent Calculator
Should you buy a home or keep renting? Let the numbers guide your decision.
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total cost comparison over your planned stay
Adjust the inputs above and click calculate.
Last updated: June 18, 2026
How this calculator works: It compares total costs of buying vs renting over your planned stay period. Buying costs include mortgage payments (principal + interest), down payment, property taxes, insurance, HOA, maintenance, and closing costs — minus equity gained and appreciation. Renting costs include rent payments and renters insurance. The calculation uses standard mortgage amortization formulas with your inputs. This is for reference only — consult a real estate professional and financial advisor before making housing decisions.
How this calculator works: It compares total costs of buying vs renting over your planned stay period. Buying costs include mortgage payments (principal + interest), down payment, property taxes, insurance, HOA, maintenance, and closing costs — minus equity gained and appreciation. Renting costs include rent payments and renters insurance. The calculation uses standard mortgage amortization formulas with your inputs. This is for reference only — consult a real estate professional and financial advisor before making housing decisions.