Rent vs. Buy

Compare the true long-term cost — and net worth impact — of renting versus buying.

🏠 If you buy

Home purchase price Down payment Mortgage rate (%) Loan term (years)

🏢 If you rent

Monthly rent

⚙️ Assumptions

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Annual home appreciation (%) Annual rent increase (%) Annual investment return (%) for renter's invested down payment Annual property tax rate (%) Annual homeowner's insurance ($) Annual maintenance (% of home value) Buying closing costs (% of price) Selling costs (% of sale price)

Time horizon (years)