Rent vs Buy Calculator
Compare the true cost of renting vs buying over time. See which option builds more wealth and when buying becomes the better choice.
🧮 Compare Your Options
Your Results
*Simplified estimates. Actual results depend on market conditions, maintenance costs, and tax benefits. Serving Texas & 40+ states.
Factors to Consider
The rent vs buy decision depends on more than just monthly payment
⏱️ Time Horizon
The longer you stay, the more buying makes sense. Closing costs and transaction fees mean renting often wins for short stays under 3 years.
📈 Market Conditions
Home appreciation varies by market. High-growth areas favor buying; stable markets make renting more competitive.
💰 Opportunity Cost
Money saved by renting could be invested. At 7% returns, $70K down payment grows to $98K in 5 years—but loses to typical home appreciation.
Mortgage payments build equity automatically. Many renters struggle to invest the difference consistently, making homeownership a reliable wealth-builder.
Ready to Run the Numbers?
Adam & His Team will help you analyze your specific situation and find the best loan option if buying makes sense for you.
LET’S TALKThink Buying is Right for You?
Adam Bartling—Army veteran and mortgage broker—will shop multiple lenders to find your best rate with no upfront credit check.
LET’S TALK