⚖️ Rent vs. Buy

Run the real numbers — monthly costs, break-even point, and total cost over time.

Renting

Monthly Rent

Annual Rent Increase

Renter's Insurance / mo

Buying

Home Price

Down Payment

Interest Rate

Monthly HOA (optional)

Estimated PMI and homeowners insurance are already factored into this estimate for down payments under 20%.

Assumptions

Years You Plan to Stay

Home Appreciation / yr

Property Tax Rate

Annual Maintenance

Down Payment

—

Closing Costs (~2.5%)

—

Cash Needed to Buy

—

Result

—

After 7 Years

Monthly Housing Cost

Rent

—

Buy

—

Total Paid (all-in)

Rent

—

Buy

—

Net Worth Impact

Rent

—

Buy

—

Equity at Sale (after selling costs)

Rent

Buy

—

Break-Even Point

—

Year	Rent Paid	Buy Paid	Home Value	Equity	Ahead

🏡 Ready to Buy? Talk to a Local Agent

Get a free consultation — a NeighborSeek agent will help you find the right neighborhood and home for your budget.

First & Last Name

Phone Number

Email Address

City / Area You're Looking In

Yes, contact me about my home search. Msg frequency varies. Msg & data rates may apply. Reply STOP to cancel, HELP for help. Privacy Policy

Please fill in all fields above.

Find Your Neighborhood →

This calculator provides estimates for educational purposes only and does not account for all individual factors (HOA fees, maintenance, tax deductions, investment risk, etc.). Results are not financial advice. Consult a licensed financial advisor and lender before making a decision.

⚖️ Rent vs. Buy

You're on the list!