Rent vs. Buy
Compare monthly cashflow, total cash out, and net worth at your horizon—using appreciation, rent growth, and investment return assumptions.
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Renting leads at this horizon
Horizon: 7 yearsRent is ahead by about $49,599 after 7 years.
Monthly Cashflow (Month 1)
Owner cash out$5,319.24
Renter cash out$2,925.00
Difference (Owner − Renter)$2,394.24
Owner cash includes P&I, taxes, maintenance, HOA/condo, and home insurance.
Total Cash Out (Horizon)
Owner total cash out$456,598
Renter total cash out$272,401
What’s included?
- Owner: monthly P&I (stops once fully paid) + property taxes + maintenance (% of value) + HOA/condo + home insurance.
- Renter: monthly rent with growth + renter’s insurance.
- Up-front down payment and closing costs are accounted for in net-worth (not double-counted here).
Net Worth at Horizon
Owner equity (after sale costs & mortgage)$431,923
Renter’s invested assets$481,521
Net advantage (Buy − Rent)-$49,599
Break-even (first year Buy ≥ Rent)Not reached
Principal paid (horizon)$108,346
Interest paid (horizon)$242,080
Owner equity is sale price minus selling costs and remaining mortgage balance. Renter invests the avoided down/closing and any monthly savings when rent is cheaper.