Calculator

Buy vs Rent Break-Even Calculator

Estimate whether buying or renting is less expensive over your expected timeline. Results include a monthly break-even estimate.

Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Loan Term (years)

Annual Property Tax ($)

Annual Home Insurance ($)

Monthly HOA ($)

Annual Maintenance ($)

Upfront Buy Closing Costs ($)

Selling Cost at Exit (%)

Annual Home Appreciation (%)

Current Monthly Rent ($)

Annual Rent Increase (%)

Expected Years in Home/Rental

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Net cost over timeline: --

Buy: -- | Rent: --

Monthly payment estimate: --

Break-even month: --

Decision summary: --

Note: This model does not include tax effects, investment returns on down payment cash, major surprise repairs, or HOA special assessments. Use as an educational estimate.