Decision Support
Should I rent or buy?
Compare wealth outcomes over time with simple, clear inputs.
At 10 years
Renting wins by $99K
No breakeven in selected timeframe.
Home Purchase
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Rent & Growth Assumptions
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Down Payment$80,000
Closing Costs$12,000
Monthly Cost (Year 1)
Buy $2,911
Rent $1,800
Mortgage$2,086
Tax$367
Insurance$125
Maintenance$333
Wealth Over Time
Buyer Wealth $257,091
Renter Wealth $355,808
Breakeven No breakeven
| Year | Buyer | Renter | Winner |
|---|---|---|---|
| 1 | $73K | $112K | Rent |
| 2 | $90K | $134K | Rent |
| 3 | $108K | $157K | Rent |
| 4 | $126K | $181K | Rent |
| 5 | $146K | $206K | Rent |
| 6 | $166K | $233K | Rent |
| 7 | $188K | $261K | Rent |
| 8 | $210K | $291K | Rent |
| 9 | $233K | $322K | Rent |
| 10 | $257K | $356K | Rent |