Rent vs Buy Calculator USA: Make the Right Home Decision
Use our Rent vs Buy Calculator USA to compare the true cost of renting versus buying a home in the United States. This tool factors in mortgage payments, property taxes, insurance, HOA fees, maintenance, home appreciation, rent escalation, and the opportunity cost of your down payment. Whether you're a first-time homebuyer or a renter, this calculator helps you make a data-driven decision for your future.
How the Calculator Works
- Compares total cost of buying (mortgage, taxes, insurance, HOA, maintenance, opportunity cost, appreciation) vs renting (rent, rent escalation, investment returns).
- Considers US market assumptions for home loan, rent, and investment returns.
- Shows a clear recommendation based on your scenario.
How to Use the Calculator
- Adjust the sliders for home price, down payment, mortgage rate, rent, and other details.
- Click Calculate to see a detailed comparison and a clear recommendation.
Our Rent vs Buy Calculator USA is free, easy to use, and requires no registration. Start planning your financial future today!