Home Ownership vs Renting Analysis

Compare the true cost of buying versus renting over time

📊 Mortgage Information

Select your state and county of residence to auto-populate median home price

Down payment set to 20.0% of home price (editable)
Years
Months (0-11)

🏠 Home Ownership Costs

🏢 Rental Costs

💰 Investment of Down Payment & Savings

If renting, how would you invest the down payment and the monthly savings compared to owning?

Based on S&P 500 avg annual return 2016-2025 (source: Statmuse/Macrotrends)
Calculated as: Monthly ownership cost - Monthly rental cost

Cost Comparison Summary

Fill in the Home Ownership and Rental Costs tabs on the left to see the comparison.

Amortization Table

Enter mortgage details and click "Calculate" to generate the amortization table.

Total Cost of Home Ownership

Fill in the Home Ownership tab on the left to see total ownership costs.

Total Rental Costs

Fill in the Rental Costs tab on the left to see total rental costs.

Investment Returns When Renting

Fill in the inputs to see investment return comparison.