Calculator

Rent vs. Buy Calculator

Estimate and compare key US home-finance numbers. Results are estimates for education and planning.

Calculator

Monthly rent

Home price

Down payment

Mortgage rate (%)

Property tax (%/yr)

Insurance (%/yr)

Maintenance (%/yr)

Monthly HOA

Home appreciation (%/yr)

Investment return (%/yr)

Years

Results

Modeled renting cost—

Modeled buying cost—

Opportunity cost—

Modeled difference—

This model is assumption-driven. Change appreciation, investment return, maintenance and holding period to test sensitivity.

How Does This Calculator Work?

This model is assumption-driven. Change appreciation, investment return, maintenance and holding period to test sensitivity.

How to Use This Calculator

Enter realistic values.
Review the estimated result and assumptions.
Change inputs to understand sensitivity.
Confirm transaction-specific numbers with current official or lender documents.

Important Assumptions

Inputs are user-supplied.
Results are estimates, not approvals or quotes.
Taxes, insurance, PMI, fees and lender rules can vary.

Methodology

HomeCalc uses standard mathematical loan-payment and ratio calculations where applicable.

Selected authoritative references

Sources are educational references. Rules and lender requirements can change; verify current terms with the relevant agency or lender.

Last updated: August 30, 2026