Using the calculator
Enter the values requested above. Compare modeled multi year housing cost for renting versus buying using appreciation, rent growth and ownership costs.
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Rent vs Buy Calculator
Compare modeled multi year housing cost for renting versus buying using appreciation, rent growth and ownership costs.
Enter the property and deal details
Use the actual property, financing, income, cost, or sale assumptions available to you. The rent vs buy results update as you change the deal assumptions.
Important: Use the inputs that match your situation. Results are estimates based on the values and assumptions entered.
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How to use this calculator
Reading the result
The result shows modeled multi year housing cost for renting versus buying using appreciation, rent growth and ownership costs.
Results are estimates based on the values entered. Review the Methodology and Calculator Disclaimer for important limitations.
Common questions
Why can the result change when I change the time horizon?
Buying often has larger upfront and transaction costs, while renting may have fewer acquisition costs. The number of years in the comparison changes how those costs are spread over time.
Should expected home appreciation be treated as guaranteed?
No. Appreciation is an assumption. Run a lower appreciation scenario so the comparison does not depend on a favorable market outcome.
Does the calculator decide whether I should buy?
No. It compares the financial assumptions entered. Flexibility, location, maintenance responsibility and personal plans are also part of the decision.
Related reading
Want the context behind the numbers?
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