Rent vs. buy

Renting or owning? See a personalized comparison.

Answer a few questions and we'll compare your rent to an estimated buying payment — and estimate the home equity you could build while you own.

1 Your current rent next to an estimated buying payment

2 Estimated home equity you could build

3 A personalized comparison for your situation

See my comparison

No credit check · No obligation · Takes about 90 seconds

What's your current monthly rent?

This is our starting point for the comparison.

$ 800$ 5,000+

What price home are you considering?

A ballpark is fine — you can adjust later.

$ 120k$ 800k+

How much have you saved for a down payment?

A rough number is fine.

$ 0$ 160k+

How long do you plan to stay?

How's your credit looking?

This affects your estimated rate.

Which state are you buying in?

We'll factor in local property tax estimates.

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Your comparison is ready

Where should we send your personalized report?

We'll show your comparison on the next screen and email you a copy to keep.

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See my comparison

We’ll only call if you ask us to — otherwise we’ll reach out by email or text. This is not a loan application or a credit decision. Estimates only.

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Illustrative estimate using a {{ res.rateLabel }} rate and about 3%/yr home appreciation. Your actual numbers depend on final terms, taxes, and market conditions.

Current rent

Per month today

Est. buying payment

Principal, interest, taxes & insurance

Estimated home equity after {{ res.yearsLabel }} years

Estimated equity from loan paydown plus assumed appreciation, less estimated selling costs. Estimates only — home values can decrease as well as increase.

Cash you invested

Down payment + est. closing costs

Difference vs. cash invested

Estimated equity less cash invested

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Estimated home value in {{ res.yearsLabel }} years {{ res.futureValueLabel }}

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Want to talk through your options?

Talk to a mortgage loan originator

Or call {{ phoneLabel }}

Not an offer to lend. Subject to credit approval and additional terms apply. {{ footerCompany }}

Sample payments use a static, illustrative interest rate assumed from the credit range you select. It is for educational purposes only, is not pulled from a live pricing or rate feed, is not a quoted, offered, or locked rate, and is not indicative of current market interest rates. No specific credit terms are being offered. Rent vs. own comparisons and any home equity or appreciation figures are hypothetical estimates for educational purposes, assume a fixed annual appreciation rate that may not occur, and are not guarantees of future home value, equity, or financial performance. Home values can decrease as well as increase. This is not investment, tax, or financial advice. Taxes, insurance, and mortgage insurance shown are estimates and may not reflect all costs. Payments are estimates. Actual payments may be greater. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in.

DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. USA Mortgage is not licensed to give credit advice; please reach out to a credit counselor.