Rent vs. Buy Calculator

Compare the long-term cost of renting versus buying based on your assumptions (rent growth, appreciation, taxes/insurance, maintenance, closing costs, and sale costs). This is a planning tool — real outcomes vary.

Enter Your Assumptions

Your current rent payment.
Typical assumptions: 2%–6% depending on market.
The home price you’re considering.
Down payment only (not including closing costs).
Use an estimate — we can quote exact numbers later.
Most buyers choose 30 years for flexibility.
Texas varies by county/city — adjust as needed.
Estimate only.
If applicable.
Leave 0 if unknown.
Common planning: 0.5%–1.5% annually.
Conservative planning: 2%–4% (varies).
Typical range ~2%–4% (varies by loan/credits).
Often ~6%–8% including agent + seller costs.
How long you expect to stay before moving/selling.
If you rent, this models investing the upfront cash instead.

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