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🏠 Rent vs Buy Calculator 2025

Make the smartest financial decision for your situation. Our advanced calculator considers all costs, market appreciation, and opportunity costs to give you a clear recommendation.

Advanced Calculations
Market Analysis
Savings Projections

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Home Purchase Details

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Rental Information

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Timeline

Your Analysis

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Enter your details and click calculate to see your personalized rent vs buy recommendation.

Rent vs Buy Decision Guide 2025

When Buying Makes Sense

  • • You plan to stay 5+ years
  • • Stable income and job security
  • • Emergency fund after down payment
  • • Local market favors buyers
  • • Interest rates are reasonable

When Renting Makes Sense

  • • Planning to move within 3 years
  • • High property prices vs rent ratio
  • • Want investment flexibility
  • • Prefer no maintenance responsibility
  • • Uncertain about location

Key Factors Our Calculator Considers

Our advanced rent vs buy calculator goes beyond simple monthly payments to provide a comprehensive financial analysis including:

Ownership Costs:
  • • Down payment
  • • Monthly mortgage
  • • Property taxes
  • • Home insurance
  • • Maintenance costs
Market Factors:
  • • Home appreciation
  • • Rent increases
  • • Interest rate impact
  • • Local market trends
  • • Economic conditions
Financial Benefits:
  • • Building equity
  • • Tax advantages
  • • Opportunity costs
  • • Net worth impact
  • • Long-term savings