Buy or Rent Home Analyzer

Enter your numbers and see buying vs. renting charted year by year — including the costs people forget (closing costs, selling costs, maintenance). You get a break-even timeline and a plain-language verdict. Educational modeling, not financial advice.

Educational modeling only — not financial advice. This tool uses standard mortgage amortization and stated assumptions below. Real markets differ; taxes, insurance, and HOA fees vary widely. Talk to a qualified professional before a purchase decision.

Your numbers

The home (buying side)

Home price ($)

Down payment (%)

Mortgage rate (APR %)

Loan term (years)

Property tax (% of value / yr)

Homeowner's insurance ($ / yr)

Maintenance (% of value / yr)1% is the standard rule of thumb

HOA ($ / mo, 0 if none)

Closing costs (% of price)

Selling costs (% of price)Agent commissions + fees

Home appreciation (% / yr)

Renting side

Current rent ($ / mo)

Rent growth (% / yr)

Investment return (% / yr)What the renter earns on the invested down payment + monthly savings

Years to analyze

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Buy or Rent Home Analyzer

Your numbers

The verdict

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