Finances

Calculateur Louer vs. Acheter

Comparez les coûts financiers à long terme de la location et de l'achat.

🏠 Renting

$
%
$

🏡 Buying

$
%
%
%
$
$
yrs
After 7 Years…
—
🏠
Total Renting Cost
$—
Net cost (no equity gain)
🏡
Net Buying Cost
$—
After estimated equity gain
Home value after 7 yrs—
Equity built—
Mortgage paid—
Total rent paid—
Comment Utiliser
  1. Enter your current (or expected) rent and how fast rents increase in your area.
  2. Enter the home price you're considering, down payment, and mortgage rate.
  3. Set your time horizon — how many years you plan to stay.
  4. The calculator compares your total out-of-pocket costs and net wealth position for each scenario.
  5. Key insight: the longer you stay, the more buying typically wins due to equity growth and fixed payments vs. rising rent.

Formule

Net Rent Cost = Sum of Monthly Rents + Insurance
Net Buy Cost = Mortgage Payments + Tax + Maintenance − Equity Gained
Equity = Future Home Value − Remaining Mortgage Balance

The rent vs. buy decision depends heavily on how long you plan to stay in the home. Generally, if you plan to stay fewer than 3–5 years, renting is often more cost-effective due to transaction costs (closing costs, real estate agent fees). Beyond 5–7 years, buying typically wins as equity accumulates. Read more at NYT Rent vs. Buy Calculator.