A simple framework for comparing housing costs over time.
Why This Decision Is Hard
Renting and buying are both emotional and financial choices. A fair comparison needs more than monthly payment alone. It should include maintenance, down payment, rates, and time horizon.
Think in Time Horizons
The answer often changes depending on whether you stay for three years, ten years, or longer. That is why a rent vs buy calculator should focus on total cost over time, not just the first monthly number.