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All Calculators
Eight free tools covering every housing decision.
Compare the true 30-year cost of renting vs owning. Find your break-even year.
Estimate your monthly P&I, taxes, insurance, and PMI payments.
Find the max home price you can afford based on income and DTI ratios.
Estimate buyer and seller closing costs including lender fees and taxes.
Calculate your PMI cost and see when you can remove it.
Project your rent over time with annual increase rates.
See what your down payment would grow to if invested instead.
Find the minimum years you need to stay before buying makes sense.
Browse rent vs buy by state
Median home prices, property taxes, and rent levels for all 50 states plus DC, with the calculator pre-filled.
Why Rent v Buy?
Complete cost modeling
We factor in mortgage interest, property taxes, maintenance, PMI, closing costs, opportunity cost of your down payment, and annual rent increases, not just the mortgage payment.
No sales agenda
No lender referrals, no lead capture, no bias toward buying. Just the math, so you can make the decision that is right for your life.
Instant and shareable
Results update as you type. Share your exact scenario with a unique URL that encodes every input, no account or signup needed.
Frequently Asked Questions
Is it better to rent or buy right now?
It depends on your local market, how long you plan to stay, and your finances. Use the Rent vs Buy Calculator to compare the true 30-year cost for your specific situation. In general, buying tends to beat renting only after several years in the same home.
How accurate are these calculators?
Our calculators use standard financial models: fixed-rate amortization, compound growth, and market averages for taxes and insurance. Results are estimates; actual costs depend on your lender, local tax rates, and market conditions.
Do I need to create an account?
No account required. All calculators are free and run entirely in your browser. You can share your results via a unique URL that encodes your inputs.
What is the break-even point for buying vs renting?
The break-even point is the number of years it takes for the cumulative cost of buying (mortgage, taxes, maintenance) to become lower than renting. It typically ranges from 3 to 10 years depending on the market. The Rent vs Buy Calculator shows you exactly when you break even.
How do I know what PMI rate to use?
PMI rates typically range from 0.5% to 1.5% of the loan amount annually, depending on your credit score and loan-to-value ratio. A rate of 0.85% is a reasonable default for most borrowers with good credit.