Airus Lending | NMLS #2187418 | Mortgage Broker | Equal Housing Opportunity
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Rent vs Buy Calculator

Compare the true cost of renting vs buying over your expected time horizon.

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Renting

Buying

After 7 YearsBuying Wins
Total Rent Paid$202,289
Total Ownership Cost$268,019
Home Value in 7yr$467,352
Equity Built$156,859
Remaining Mortgage$310,493
Monthly Rent in Year 7$2,706

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All loans are subject to borrower qualification, underwriting approval, and program guidelines.

Important Considerations

This calculator provides a simplified comparison. Real-world rent-vs-buy decisions involve many additional factors: opportunity cost of your down payment, tax deductions, maintenance costs, lifestyle flexibility, and local market conditions. Home appreciation is not guaranteed and varies significantly by market. Talk to a financial advisor for personalized guidance.

Calculator results are estimates only and are not a loan approval, offer to lend, or guarantee of rate, payment, or terms. Actual payment, rate, fees, and loan terms may vary based on borrower qualifications, lender guidelines, taxes, insurance, and other factors. Scout Financial Group Inc DBA Airus Lending is a licensed mortgage broker (NMLS #2187418).

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All loans are subject to borrower qualification, underwriting approval, and program guidelines.