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Buy vs rent calculator
Compare buying a home with renting over time. See the break-even point in years and total net cost of each path.
🏠 Buy
🏘 Rent
Frequently asked questions
Is the home appreciation realistic?
Historic US averages range from 3 to 5% per year, with significant local variation. Use a conservative number for safety.
Why model an investment return on the down payment?
If you rent, your down payment money stays invested. The opportunity cost is real and should be in the comparison.
What is not included?
HOA fees, maintenance, closing costs, mortgage insurance, and inflation. Add them mentally or treat the result as a starting point.