Analysis Verdict
Finding your break-even point...
Use this break-even calculator to see how your local market and financial profile affect your housing horizon.
Years to Profit
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Break-Even
Wealth Horizon Comparison
Projected net wealth over 15 years.
BUY PATH
RENT + INVEST
Year 0
Year 5
Year 10
Year 15
1 Year Projection
Rent Path
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Buy Path
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5 Year Projection
Rent Path
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Buy Path
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10 Year Projection
Rent Path
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Buy Path
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The Equity Engine Average Yearly Values (First 5 Years)
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Mortgage Paydown
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Avg Appreciation
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money_off
Interest & Tax
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savings
Net Annual Gain
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RealityMath Transparency Note
Our model utilizes the "Opportunity Cost of Capital" methodology. This means we don't just look at monthly cash flow; we account for what your down payment would have earned if invested in a low-cost index fund instead. We also model selling costs and maintenance to ensure a realistic horizon.
Included in Buying
- Property Tax (1.2%) & Home Insurance
- 1% Annual Maintenance Reserve
- 6% Transactional Selling Costs at Exit
Included in Renting
- Rent Inflation (3% CAGR Default)
- Compounded Investment Returns
- Full Liquidity of the Down Payment