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MV

Rent vs buy

The right answer depends on how long you'll stay, your local appreciation, and what your down payment would earn invested instead. Run the real comparison.

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Renting

$
%
%

Where you'd invest the down payment instead

Buying

$
$
%
%

How long you'd stay in the home

After 10 years
Buying wins
Renting stays ahead within the comparison window.
Owner net wealth
$428,725
Net of selling costs & remaining loan
Renter net wealth
$302,206
Down payment + closing invested instead

Net wealth over time