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Rent vs Own

Long-term wealth comparison — see which path builds more over time.

Renting

$
%
%

If you invested the down payment instead

Buying

$
%
%

Assumptions

%
$
$

🏠 Buying builds more wealth over 10 years

Net advantage: $83,867

Buy Net Wealth

-$42,693

Equity: $358,100

Rent Net Wealth

-$126,560

Down payment invested

Wealth Over Time

Year-by-Year Summary

YearBuy WealthRent WealthHome EquityAdvantage
Yr 1$71,667$81,945$111,746-$10,278
Yr 2$54,319$60,033$134,478-$5,714
Yr 4$22,774$15,179$183,092+$7,595
Yr 6-$4,222-$30,965$236,254+$26,743
Yr 8-$26,213-$78,267$294,421+$52,054
Yr 10-$42,693-$126,560$358,100+$83,867

Ready to run the numbers on a specific property?

Talk to Gharib

Simplified model. For a personalized analysis contact Gharib at 615.719.4242.