Educational · illustrative
Rent vs Buy Comparison
Side-by-side monthly cash sketch for renting versus buying with a mortgage. Complements the mortgage rate tool. Not a recommendation to rent or buy.
Monthly cash difference (buy − rent)
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Illustrative. Your assumptions. Not advice.
Buy · monthly all-in sketch
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Rent · monthly all-in sketch
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Monthly cash outflow
Ignores equity build, appreciation, opportunity cost of down payment, HOA, PMI, and moving costs.
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How to read this
Buy monthly ≈ P&I + (tax + insurance + maintenance)/12. Rent monthly ≈ rent + renters insurance/12. This is cash-flow comparison for education—not a verdict on wealth, lifestyle, or markets. Use the Mortgage Rate Scan Helper for rate context.
Assumptions & method
- Standard amortizing P&I via shared mortgage math.
- No PMI, HOA, closing costs, or landlord utilities modeled.
- No home appreciation or rent inflation path.
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