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Mortgage Calculators

Buy vs. Rent Calculator

Compare the long-term financial outcome of buying a home against renting and investing the difference.

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$
%
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Appreciation, Rent Growth & More
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%
%

What the down payment could earn if invested instead of spent on a home.

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$
% of home value

Your buy vs. rent outcome

Enter your numbers and calculate to compare.
If You Buy
$0
Home equity after N years
If You Rent
$0
Investment value after N years

Assumes the down payment (and any month where renting costs less than owning) is invested at the rate above. Does not account for selling costs, tax deductions, or refinancing. This calculator is for educational purposes only. Talk to a local expert for a personalized quote.

Talk to a Local Expert

When you're ready to buy.

1

Apply online

A local loan officer will review your information and give you an estimate of what you could spend on a home — without affecting your credit.

2

Get expert help

Ask about first-time homebuyer programs, down payment assistance, and other options you may not know you qualify for.

3

Find your home

Your local team stays with you at every step — answering questions and helping you land the right loan for your situation.

Start my application
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