Rent vs Buy

Compare renting vs buying over the next few years.

Enter your current rent and an estimated home price. This calculator estimates total rent paid, total ownership costs, and simple equity after the years you choose. It’s a conversation starter, not a guarantee or a loan decision.

1. Your current rent

Current monthly rent ($)

Estimated annual rent increase (%) You can change this based on local rent trends.

Years to compare

2. Home you could buy

Estimated home price ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Property tax rate (% of value per year)

Homeowner’s insurance per year ($)

HOA dues per month ($)

Home value change (% per year)

Selling & closing costs (% of future value) Used only if you sell at the end of the period.

3. Property address (optional)

Street number

Street name

Unit / Apt #

City

State

ZIP

Results

Enter your numbers and click “Calculate & compare” to see your summary here.

Want a personal review of these numbers?

Share your contact details and your best guess at your credit score. We can review the numbers with you.

First name

Last name

Phone

State

What do you think your credit score is?

This is for planning only. It does not pull your credit, approve or deny a loan, or replace a full application.