Enter your numbers to compare the true monthly cost of renting vs. buying — including taxes, maintenance, and the costs most calculators skip.
🏠 Buying
Typical: 3.5% FHA, 10–20% conventional
U.S. avg is ~1.1%. Check your county assessor.
🏢 Renting
National avg: 3–5% per year
📊 Assumptions
Historical U.S. avg: ~3.5%
Rule of thumb: 1–2% per year
Total Cost Over Time
● Buying (net of equity)
● Renting
This calculator provides general estimates for informational purposes only and does not constitute financial advice. Results depend heavily on local market conditions, individual circumstances, and future events that cannot be predicted. Consult a financial professional before making housing decisions.