Rent vs Buy Calculator

Compare total cost of renting versus buying over a chosen horizon, including PITI, maintenance, HOA, appreciation, rent growth, and selling costs.

Home Price

Down Payment

Interest Rate (%)

Loan Term (Years)

Property Tax (annual)

Insurance (annual)

Maintenance (% of price per year)

HOA (monthly)

Current Rent (monthly)

Rent Increase (%/yr)

Home Appreciation (%/yr)

Selling Costs (% of value)

Horizon (Years)

Total Cost of Buying (net of proceeds):

Total Rent Paid:

Net Advantage: