Rent or buy: the real comparison

A complete, neutral comparison that goes beyond a mortgage payment: taxes, insurance, land transfer tax, property appreciation, home equity and what your down payment could earn if invested while renting.

1. What type of property are you considering?

Property type *

Area (optional)

Automatically applies the area’s median price.

Choose a property type first. Taxes, heating, insurance and condo fees will then adjust to realistic, editable values.

An honest comparison, either way

Most comparisons only contrast rent with a mortgage payment. This calculator includes ownership costs, equity and what the renter’s savings could earn. Depending on your assumptions and horizon, either scenario can come out ahead.