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Compare the true total cost of renting versus buying over time. Accounts for mortgage, property tax, maintenance, appreciation, and the investment returns you'd earn as a renter.
🏠 Buying wins by $9,267
Buying becomes cheaper after year 9
Buy: Net Cost
Rent: Net Cost
Mortgage (P&I)
Rent
| Year | Buy Net | Rent Net | Winner |
|---|---|---|---|
| 1 | $51,462 | $17,560 | Rent |
| 2 | $66,662 | $35,389 | Rent |
| 3 | $81,587 | $53,478 | Rent |
| 4 | $96,220 | $71,814 | Rent |
| 5 | $110,545 | $90,385 | Rent |
| 6 | $124,544 | $109,175 | Rent |
| 7 | $138,198 | $128,167 | Rent |
| 8 | $151,488 | $147,343 | Rent |
| 9 | $164,392 | $166,680 | Buy |
| 10 | $176,888 | $186,155 | Buy |
Down Payment
Closing Costs
Key Assumptions
Home appreciation: 3%/yr · Rent increase: 3%/yr · Investment return (renter): 7%/yr · Selling costs: 6% · Maintenance: 1% of home value/yr
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