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Rent or buy — which actually costs less?

Over the years you'll really stay, we tally everything: mortgage, taxes, upkeep, appreciation, and what you'd walk away with at sale — versus rent that keeps climbing.

Home price

Monthly rent

Down payment 20%

Mortgage rate 6.5%

Years you'll stay 7

Home appreciation 3%/yr

Rent increase 3%/yr

A simplified comparison over your time horizon. Assumptions: 30-yr loan, ~2% closing + ~6% selling costs, property tax ~1.1%, insurance ~0.5%, maintenance ~1% of value per year. "Net cost" = everything you pay minus what you net at sale; renting has no asset at the end (it doesn't credit investing the down payment). Real numbers vary by market, taxes, and rates — directional, not advice.

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