House.ai
HomeInbox
Buying PowerPortfolioSearch
RatesAgents

Rent vs. Buy Calculator

GuidesTerms of ServicePrivacy PolicyCookie Policy

House.ai is a real estate brokerage that works with consumers on finding the best properties to meet their needs and receive the best home-buying and home-selling education.

House.ai currently serves buyers and sellers in Texas, Florida, California, and Arizona. More states are on the way.

Real estate brokerage licenses are held by HOUSE.AI LLC (Texas, Florida), House.AI, Inc. (California), and House.AI Arizona (Arizona) — see our real estate licenses. California DRE #02447419. Home financing is offered through GMCC (General Mortgage Capital Corporation). Equal Housing Lender.

Texas Real Estate Commission Information About Brokerage ServicesTexas Real Estate Commission Consumer Protection Notice

© 2026 House.AI Group, Inc. All rights reserved.

Your Privacy, Your Choice

We use essential cookies to ensure the site functions properly. We also use optional cookies to improve your experience.

You can see our cookie policy for more information and manage your .

If you buy

$
%
%

If you rent

$
%
%
7 years
1 year51015 years
Advanced assumptions
~$29,600

Renting comes out ahead over 7 years

Buying pays off past year 11.

Buying
$248,074 net
Renting
$218,502 net
Break-even
Year 11

Net cost over time

BuyingRentingBreak-even

Side by side

BuyingRenting
Monthly cost (year 1)$3,967$2,815
Cash up front$58,500$0
Net cost after 7 years$248,074$218,502
Assumes a 30-year fixed loan; sale proceeds return your equity minus selling costs; the renter invests the down payment, closing costs and any monthly savings at your investment return. Income-tax effects aren’t modeled (most buyers take the standard deduction). Estimates only — not financial advice.

Renting for now, or buying sooner than you thought? Either way, know your number first — it takes two minutes and nothing is pulled.

Find my buying power →