🏠 Real Estate Tools
Rent vs Buy Calculator
Compare total cost of renting versus buying over a chosen time horizon.
Comparison details
Fill in the details and click calculate.
Frequently Asked Questions
When does buying beat renting financially?
Usually when you will stay 5+ years, so appreciation and principal paydown outrun the ~8–10% round-trip transaction costs. Short horizons favor renting in most markets.
What costs does renting avoid?
Property taxes, insurance, maintenance (1–2% of home value annually), HOA dues, and transaction costs — plus the down payment stays invested elsewhere. A fair comparison counts all of it.
What is the price-to-rent ratio shortcut?
Home price ÷ annual rent for comparable homes. Under 15 favors buying, over 20 favors renting, in between depends on your horizon and rate. Use it to frame, not decide.
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