Boomer Doomer

Rent vs. Buy Calculator

Enter your income, savings, and zip code — we'll crunch the numbers on mortgage rates, local home prices, and rent to tell you whether buying or renting makes more sense for your situation.

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Your Financial Profile

Enter your information to get a personalized rent vs. buy analysis.

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Before taxes

300–850 range

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Available for down payment & closing costs

5-digit US zip code

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Interest rate on your savings (e.g. HYSA)

Loan Term

Lower monthly payment, more total interest paid — the most common choice.

First Time Home Buyer Benefits

Leave blank if not applicable

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One-time grant applied toward your down payment & closing costs

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Percentage points subtracted from the market mortgage rate

Monthly Expenses

Excluding rent — used to calculate your monthly savings surplus

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Food, transport, utilities, insurance, debt payments, etc.