How does this calculator work? We've pre-filled some typical values. Adjust them to match your situation and click the button below. About the Property You're Considering Buying Home Price ($) Down Payment ($) Mortgage Interest Rate (%) Loan Term (Years) Annual Property Taxes ($) Annual Home Insurance ($) Annual Maintenance & Repair Costs ($) Monthly HOA Fees ($) About Your Renting Alternative Monthly Rent ($) Annual Renter's Insurance ($) Your Financial Picture & Plans How long do you plan to stay? (Years) Expected Annual Home Appreciation (%) Expected Annual Investment Return (%) The return you could get by investing your down payment instead of buying a home. Specific Question for the AI Advisor (Optional) Compare Renting vs. Buying Get Deeper AI Analysis AI Financial Advisor Analyzing your financial data for deeper insights... Share your love