Home Mortgage Compound Interest Are You Rich?
Buy vs Rent Calculator · 25 Cities · 2026

Buy or Rent? The 30-Year Honest Answer

Buy vs Rent Calculator 2026

Real market data for 25 cities worldwide. Appreciation rates, costs, breakeven point. No spin — just the math.

🌍 Select Your City
Choose a city to load real local market data — or adjust the numbers manually below.
🏠 Buying BUY
$
$
%
%/yr
%/yr
%/yr
🏢 Renting RENT
$
%/yr
%/yr
years
$
🏠
—
—
—
—
Buy Net Worth
—
—
Rent + Invest
—
—
Breakeven Year
—
When buying pulls ahead
Total Buying Cost
—
All-in over period
Total Renting Cost
—
All-in over period
Home Value
—
—
30-Year Net Worth Comparison
Buying vs. Renting + Investing the difference
✦
Banker's Note
23 Years · Licensed Professional
—
Free · No Spam
Get Your Full Buy vs Rent Report
Complete year-by-year breakdown + personalized recommendation sent to your inbox.
No spam. Unsubscribe anytime.
✅ Done! Check your inbox for your full comparison report.
📄
Legal Documents
Ready to Buy? Get Your Purchase Agreement or Lease Contract
Whether you're buying a home or signing a lease, LawDepot has state-specific legal documents ready in minutes — no lawyer needed.
Create Document →
🛡️ Sky Blue Credit
Better credit = better buy vs rent math
Your credit score directly affects whether buying makes sense. Improve it first.
Check My Credit Options →

📊 How This Works

We model the true long-term cost of buying vs renting using your specific inputs. The buy scenario includes mortgage, taxes, insurance, maintenance (1% annually), and opportunity cost of down payment. The rent scenario includes rent increases (3% annually) and investment returns on the down payment.

📋 Assumptions & Data Sources

Home appreciation: 3.5%/year. Investment return on down payment: 7%/year (S&P 500 historical). Rent inflation: 3%/year. Maintenance: 1% of home value annually. Educational use only — not financial advice.

Your Next Step
Calculate My Mortgage →
House Poor Calculator →Cost of Waiting →Real All-In Cost →
Z