RENT VS BUY · 2026
Should you rent —
or buy?
A free calculator that runs the actual 10-year math for your city, with 2026 mortgage rates, real local taxes, and the opportunity cost of your down payment. Verdict in one screen.
LIVE PREVIEW · MIAMI, FL
- City:
- Miami, FL
- Stay duration:
- 7 years
- Budget:
- $580,000 · 20% down
VERDICT
RENT
Buying never overtakes renting within 30 years given these inputs — a 7-year stay can't recover the upfront costs.
Cumulative buy costCumulative rent cost
Real local data
City-specific tax, insurance, and rent comps refreshed every quarter.
10-year math
Break-even, opportunity cost, equity build-up, capital-gains exclusion — all of it.
Verdict you can act on
BUY · RENT · TOO CLOSE. Move a slider, watch the verdict update live.