Rent vs. buy calculator
An honest rent-versus-buy comparison: the unrecoverable costs of renting against the interest, taxes, insurance, and maintenance of owning — with your time horizon factored in.
That's $90,000 up front
Time horizon matters most — short stays favor renting
At these numbers
Renting wins
Renting costs about $1,077/mo less in money you never get back, over a 7-year stay.
Your full ownership payment would be about $3,213/mo — but part of that builds equity, which is why we compare unrecoverable costs instead.
Simplified model: assumes a 30-year loan, ~1.1% property taxes, the 1% maintenance rule, and ~11% combined buy/sell transaction costs. Appreciation and rent growth vary by market.
Want to go deeper?
Ask Ava, our financing & structuring expert, about your numbers — it's free.