Calculators
Rent vs. Buy Calculator
Renting feels cheaper month-to-month — but over time, buying builds equity. Find the break-even year for your scenario.
Break-Even Point
Year 9
After 9 years, buying becomes cheaper than renting (including equity built)
Cumulative cost comparison by year
Yr 1
$33,600 rent
$156,806 buy (net)
Yr 2
$68,208 rent
$182,185 buy (net)
Yr 3
$103,854 rent
$206,071 buy (net)
Yr 4
$140,570 rent
$228,390 buy (net)
Yr 5
$178,387 rent
$249,067 buy (net)
Yr 6
$217,339 rent
$268,022 buy (net)
Yr 7
$257,459 rent
$285,172 buy (net)
Buy cost is net of equity built. Assumes 4% annual home appreciation and 3% annual rent increases.
Estimates only. Not a loan offer, commitment to lend, or guarantee of approval. Actual rates, payments, and costs depend on your credit, property, loan program, and market conditions. Contact Vista Verde Home Loans for a personalized quote.