RENT VS BUY CALCULATOR
Should You Rent or Buy?
Free estimate tool — try it now, no signup required
Compare the true cost of renting vs. buying over time. Factor in appreciation, tax benefits, and opportunity cost to make the right decision.
5-Year Analysis
Total Cost
Equity Building
What This Compares
- Renting: Total rent paid over time
- Buying: Mortgage, taxes, insurance, maintenance, minus equity gained
- Opportunity cost: What your down payment could earn if invested
Frequently asked questions
When does buying beat renting?
In most San Diego scenarios, buying beats renting once you stay 5–7+ years and home appreciation runs at or above historical averages. Shorter horizons usually favor renting.
What does the calculator factor in?
Rent inflation, mortgage payment, taxes, maintenance, opportunity cost of down payment, expected home appreciation, and tax benefits of homeownership.
Does it account for closing costs on both ends?
Yes — buyer closing costs at purchase and seller commission + closing costs at sale are both factored into the breakeven horizon.
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Rent vs Buy Calculator
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