Tools for buyers

Rent vs. buy calculator

Compare total cash out over a window: cumulative rent (with annual increases) vs. down payment plus estimated monthly ownership (P&I, tax, insurance). Does not model appreciation, equity, or tax benefits.

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Comparison period (years)

Current monthly rent

Annual rent increase (%)

Purchase price (comparison home)

Down payment (%)

Mortgage rate (% APR)

Loan term (years)

Property tax / year

Insurance / year

Over ~5 years (cash out, simplified)

Total rent paid$152,903
Down + monthly ownership$234,593
Estimated ownership / month (P&I + tax + ins)$3,160
Difference (buy − rent)$81,689

Educational estimates only. Results are not loan approvals, pre-qualifications, or financial advice. Taxes, insurance, HOA, PMI, and lender rules vary. Talk with a licensed lender and your agent before making decisions.

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