How is net buying cost computed?

Total you pay minus recovered equity (home value − remaining loan) after selling costs.

What is the break-even year?

The first year buying becomes cheaper than renting cumulatively.

Values are nominal; control rent growth and appreciation manually.

2% appreciation, 1% maintenance, 3% selling costs — all editable.

No — an educational estimate. The decision depends on many personal factors.

Compare the long-term cost of renting vs buying a home and find the break-even year.

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Last updated: 2026-06-03

This calculator uses generic assumptions. Use advanced mode to override them for a more accurate result.

Source: default

netBuy = down + Σmortgage + Σupkeep − (equity − selling costs); vs Σrent

Over 7 years, a high rent often makes buying cheaper once equity is counted; a short stay favors renting.

Net buying cost is total cash out minus the equity you'd recover; break-even is the year buying becomes cheaper.

How is net buying cost computed?: Total you pay minus recovered equity (home value − remaining loan) after selling costs.
What is the break-even year?: The first year buying becomes cheaper than renting cumulatively.
Inflation?: Values are nominal; control rent growth and appreciation manually.
Default assumptions?: 2% appreciation, 1% maintenance, 3% selling costs — all editable.
Is this real-estate advice?: No — an educational estimate. The decision depends on many personal factors.

Results are estimates and not professional advice. Verify important decisions with a qualified professional.