Plan with clarity
Compare renting and buying over your expected stay. Include ownership costs, selling expenses, home equity and the money each path could leave invested.
Starting values are examples, not current rates or lending terms.
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Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
Buying involves a down payment, transaction costs, property expenses and potential sale costs. Renting can leave more cash available to invest. This calculator gives both paths the same starting cash and invests the difference in upfront costs. Each month, the less expensive path invests its housing-cost savings.
The buying result combines estimated sale equity, after the remaining mortgage and selling costs, with any invested monthly savings. The renting result is the modeled investment balance. A short stay may not provide enough time to offset purchase and selling costs, even when ownership builds equity.
Try lower appreciation, a different expected stay and higher ownership costs. Future home values, rent increases and investment returns are uncertain. The model excludes income-tax benefits, capital-gains taxes and lifestyle considerations. In Florida, use realistic insurance, association and maintenance estimates for the particular property.
Buying advantage = home value after selling costs and mortgage payoff + buyer’s invested savings − renter’s invested savings, at the selected future date.
A simple example. If buying leaves $160,000 in net sale equity and $10,000 in invested savings, while renting leaves $150,000 invested, the modeled buying advantage is $20,000.
Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Conventional mortgage programs · FHA mortgage programs
Schedule a consultationIt means the renting path ends with more modeled net wealth under your assumptions. It does not predict future market performance or account for personal preferences.
Both paths begin with the same available cash. The path with lower upfront costs invests the difference. The path with lower monthly housing costs invests that month’s savings at the entered return.
Yes. Each annual comparison assumes a sale, deducts the selected selling-cost percentage and repays the remaining mortgage to estimate net home equity.
No. Mortgage-interest tax benefits, investment and capital-gains taxes, and refundable deposits are excluded. The rental upfront-cost field is for nonrefundable costs only.
Looking to buy a house in Florida? Find out how long it takes to buy a house and get tips to speed up the process. Get guidance from Bennett Capital Partners.
Read guide
Estimate Florida buyer and seller closing costs with price examples, mortgage and deed taxes, cash-to-close calculations, and ways to reduce upfront costs.
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