Should you buy or keep renting?

Plug in your numbers. See the real cost of buying vs. renting.

Monthly budget
Down payment savings
Your Situation
$
$
Excellent740+
Good680-739
Fair620-679
Timeline
Appreciation rate
%
%
$
%
%
%
Total Equity After 5 Years
$0
Down Payment Principal Paid Appreciation
House-Hack Income
$0
Monthly rental income
$0
Effective monthly cost
43×
Homeowners are 43× wealthier than renters.
$430k vs $10k average net worth. Source: NAR 2025
If You Buy
$0
equity you keep
If You Rent
$0
gone, you keep nothing

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This tool provides estimates for illustrative purposes only and does not constitute a loan offer, pre-approval, commitment, or financial advice. Rates, payments, and figures shown are samples and may not reflect actual terms available to you. Contact Grant Shippel (NMLS# 2750635) at Princeton Mortgage (NMLS# 113856) for a personalized consultation. Equal Housing Lender.