Interactive tool
Rent vs buy calculator
Compare renting and buying over your timeline.
Crossover
See when equity starts to matter.
Tie the decision to your timeline and monthly cash flow.
Flexibility
Short horizon? Test the downside.
See what selling within a few years would cost you.
PNW pressure
Compare against rising regional rents.
Rent grows about 3% a year in the model — watch it compound.
Cash flow + equity model
Run your numbers.
$3,500
$750,000
$150,000
6.5%
4%
This compares rent paid over time against buying costs after subtracting estimated equity. It is a planning model, not a loan quote.
Includes estimated 1.2% for property taxes and insurance. Equity includes principal paydown and appreciation. Excludes selling/transaction costs, maintenance, and any PMI under 20% down, so the real crossover is typically later than shown.
Save this result
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Next step
Use the scenario, then bring it into the round.
These calculators are planning tools, not lender quotes. Use them to get sharper questions and more useful next moves.