Rent vs Buy Analysis

Find your break-even point and understand the long-term wealth difference between renting and owning.

Your Parameters

🏡 Buying

Purchase Price

$600,000

$150K$1.5M

Down Payment %

15%

3%50%

Interest Rate

6.875%

4%10%

🏢 Renting

Current Monthly Rent

$2,200/mo

$500$6K

Annual Rent Increase

4.0%

0%10%

📊 Assumptions

Annual Home Appreciation

4.0%

0%10%

Investment Return on Down Pmt

6.0%

2%12%

Break-Even Analysis

🏢 Rent

Current monthly

🏡 Buy

Monthly PITI est.

Break-Even Year

When buying becomes better

10yr Wealth: Buy
--
Equity + appreciation

10yr Wealth: Rent

Invested down payment

10yr Advantage

Buy vs rent difference

Cumulative Wealth — Buy vs Rent over 15 Years

🔄

Rent vs Buy Insight

Adjust parameters to generate your personalized analysis.

Larimer County, CO

Avg 4.2% annual appreciation

Rental rates +5.8% YoY

Limited inventory market