Rent vs Buy Calculator (2026)
Updated Jan 2026 (9 months ago)
By Ibrar Khan · Reviewed for methodology · September 2026
Rent vs Buy Calculator
Break-even year
13
- Total cost to buy
- $126,379
- Total cost to rent
- $110,212
- Monthly cost (buy)
- $2,531
- Monthly rent
- $1,300
- Down payment
- $68,040
- Loan amount
- $272,160
- Year 1 mortgage interest
- $19,051
- Tax savings (year 1)
- $3,179
Estimate only — not financial, tax, or legal advice. Figures are illustrative and may not reflect your situation. Consult a qualified professional.
Estimate only — not financial, tax, or legal advice. Figures are illustrative and may not reflect your situation. Consult a qualified professional.
Use this free rent vs buy calculator to run your numbers instantly. Adjust the inputs to match your situation.