Rent vs. Buy Calculator — Find Your Break-Even Year
The definitive rent vs. buy analysis. Find the exact year buying becomes cheaper than renting, accounting for appreciation, equity, PMI, down payment.
Rent vs. Buy
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After 7 Years, Renting Is Cheaper By
▼ $37,705
Total Net Cost of Buying (7 yrs)
$209,753
Total Cost of Renting (7 yrs)
$172,048
Projected Home Value at Sale
▲ $491,950
Scenario Comparison
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After 7 Years
Renting saves you $37,705
Break-Even
Year 12
buying becomes cheaper
30-Year Net Cost Comparison
Cost Breakdown at Year 7
Renting for 7 Years
Buying for 7 Years
Cost Comparison
Renting saves you $38K over 7 years.
Understanding the Break-Even Point
At the break-even point (Year 12), your total buying costs equal your total renting costs.
After that point, every additional year you stay makes buying increasingly advantageous — you continue building equity while your fixed mortgage payment stays flat as rent escalates. The longer you stay past the break-even, the wider the gap grows in favor of buying.
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