Rent vs Buy

Monthly cost of renting vs owning, plus a simple break-even horizon.

Inputs

Monthly Rent ($)

Rent Growth (%/yr)

Home Price ($)

Down Payment (%)

APR (%)

Term (years)

Property Tax ($/mo)

Insurance ($/mo)

HOA ($/mo)

Maintenance (% of Price / yr)

Home Appreciation (%/yr)

Monthly Owning Cost$0

Monthly Rent$0

Simple Break-even—

Note: This simplified break-even ignores taxes/credits and equity build; we can add a fuller total-cost-of-ownership model later.