Skip to main content
US360 — Your Complete Guide to America

Tool · Coming soon

Rent vs Buy Calculator

Compare the total cost of renting against owning over your expected time in one place, including closing and selling costs.

The honest break-even point

Editorial review status

Reviewed

This content has been reviewed by the US360 editorial team and reflects our latest editorial review.

How it works

What you put in, what you get out

Every US360 tool is transparent about its inputs, its outputs, and the assumptions in between.

Status
Coming soon
Topic
Real Estate
Inputs
4
Outputs
3

What you provide

  • Monthly rent
  • Purchase price
  • Years in home
  • Rate and growth assumptions

What you receive

  • Break-even year
  • Total cost comparison
  • Equity projection
  1. 01

    Enter what you pay in rent today.

  2. 02

    Enter the purchase scenario you are considering.

  3. 03

    Find the year at which buying becomes cheaper than renting.

Frequently asked questions

Related tools

Recommended for you

Put this tool to work

Guides, paths, and downloads that pair with this calculator.

Model houses and keys on a wooden table
Real Estate

How to Read an American Lease

A US lease is a binding contract with real financial consequences. These are the clauses worth reading twice before signing.

James Whitfield2 min read
Intermediate

Buying a Home

From renting versus buying through mortgage readiness, closing costs, and the paperwork trail.

4 lessons50 minReal Estate

Tools that help here

Downloads worth keeping

PDF

Planning Template

First Apartment Planning Guide

Budget worksheets, lease red flags, and a walk-through inspection sheet for your first American rental.

18 pages20 minv1.6

Updated April 29, 2026

XLSX

Financial Tool

Home Buying Cost Worksheet

Down payment, closing costs, escrow, insurance, and the first-year ownership budget in one sheet.

3 pages9 minv1.4

Updated April 16, 2026