Renting or buying comes down to how long you’ll stay, what rent costs today, and what buying costs upfront and month to month. This calculator compares both paths year by year and shows the break-even point where buying starts to win.
Adjust the details below and watch the comparison update in real time. We weigh the full picture — equity, appreciation, and what your money could earn if invested instead.
Adjust the inputs to see your result.
These figures are estimates to help you compare, not a quote or a commitment to lend. Your actual costs depend on your loan program, credit profile, taxes, and insurance.
A licensed broker can confirm them against real programs — no consultation fees, ever.
To save a clean, complete copy of your calculator results, head back to the page and tap “Download my results” — we’ll unlock a print-ready version with all of your numbers, free.
eurekamortgage.net · 503-420-5434 · info@eurekamortgage.net · No consultation fees, ever
Eureka Mortgage Planning LLC – NMLS #2456819. Equal Housing Lender. Licensed by the Oregon Division of Financial Regulation, Idaho Department of Finance, California Department of Financial Protection and Innovation (CFL), Washington State Department of Financial Institutions, Arizona Department of Insurance and Financial Institutions, Texas Department of Savings and Mortgage Lending, New Mexico Mortgage Finance Authority, Nevada Division of Mortgage Lending, Florida Office of Financial Regulation, and Tennessee Department of Financial Institutions. This is not a commitment to lend. All loans are subject to underwriting and approval. Terms, rates, and programs are subject to change without notice. Not all loan products are available in all states. For licensing information, go to http://www.nmlsconsumeraccess.org.
