Rent vs. Buy

Find the year buying outperforms renting for your specific situation

Rent vs. Buy Inputs

Home Price

Target purchase price of the home.

Down Payment %

Percentage of home price as down payment.

Interest Rate

Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.

Monthly Rent

Current monthly rent payment.

Home Appreciation %

Annual home value appreciation estimate.

Annual Rent Increase %

Expected annual percentage rent increases.

Years to Compare

Break-Even Point

Year 4

When buying becomes cheaper than renting

Total Rent (10 yrs)$391,276

Home Equity Built$407,075

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Cumulative Cost Comparison

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All calculations are estimates for informational purposes only and do not constitute a loan offer or commitment. Actual rates, payments, and terms may vary based on creditworthiness, property type, loan-to-value ratio, and other underwriting criteria. NMLS #2611147 | Equal Housing Opportunity.