Rent
vs Buy

Total Cost · Equity · Which Wins?

Buying Scenario

Home Price ($) Down Payment (%) Mortgage Rate (%) Home Appreciation (%/yr)

Monthly Rent ($) Annual Rent Increase (%)

How long will you stay? (years) Investment Return If Renting (%/yr)

—

Buy: Net Cost

—

Rent: Net Cost

Buy If	Rent If
Staying 5+ years	Moving within 3 years
Stable income and job	Career uncertainty
Low interest rates	High rates (7%+)
Building equity matters to you	Flexibility matters more
Rent is close to mortgage cost	Buying is 50%+ more than rent