Calculator 06 · illustrative
Rent or buy, over how long?
Both positions over a holding period, with the renter investing the difference, and every assumption exposed as an input rather than buried.
After the holding period
Net position, year by year
BuyingRenting and investing (dashed)Crossover
The years, written out
| Year | Cost of owning | Rent paid | House value | Net, buying | Net, renting |
|---|
Illustrative only. No rate on this page is available anywhere and no result is a quote, an approval or a commitment. Defaults are round numbers chosen so the arithmetic is legible, not figures anybody is offering. Taxes, insurance, association dues and mortgage insurance vary enormously between towns, buildings and lenders.
Assumptions on this page: appreciation, rent growth and investment return are steady annual rates, which no real market has ever produced. Nothing here models tax deductions, insurance on renters, moving costs, the option value of being able to leave, or the fact that a house is somewhere to live rather than a position. Treat the crossover year as a shape, not a date.
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