Rent vs. Buy Calculator Rent vs. Buy Calculator ▾ Modify the values and click the Calculate button to use Home Purchase Home price Down payment% Interest rate% Loan termyears Buying closing costs% Property tax% / year Property tax increase% / year Home insurance/ year HOA fee/ year Maintenance cost% / year Home value appreciation% / year Cost/insurance increase% / year Selling closing costs% Home Rent Monthly rental fee Rental fee increase% / year Renter's insurance/ month Security deposit Upfront cost Your Information Average investment return% Marginal federal tax rate% Marginal state tax rate% Tax filing status:married filing jointlysinglemarried filing separatelyhead of household ▶ CalculateClear Result Buy Rent The following is the average cost based on the length you stay for the next 30 years. Staying LengthAverage Buying CostAverage Renting Cost MonthlyAnnualMonthlyAnnual