RentOrBuyHQ gives you a real answer to one of life's biggest financial decisions. Enter your local rent costs, home price, mortgage rate, and down payment — and get a clear, personalised breakdown showing which option makes more financial sense for your specific numbers. Free, no signup, works on any device.
I built RentOrBuyHQ after realising every rent vs. buy calculator I could find was giving me the same generic answer regardless of what numbers I entered.
The problem: most calculators ignore the real costs — opportunity cost on your down payment, maintenance, property taxes, and how long you'll actually stay. Without those, the answer is meaningless.
RentOrBuyHQ accounts for all of it. Your numbers. Your market. Your real answer.
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this looks super useful, exactly what i wish i had years ago when i was deciding. one thing that would make it even better is adding a "hidden costs" field for stuff like maintenance, insurance, property tax, and closing costs on the buy side, and maybe a rent increase percentage on the rent side. those real world factors can really flip the answer.
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finally a calculator that actually asks for your real numbers instead of giving vague advice. plugged in my situation and the breakdown was way more useful than i expected
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this looks super useful, exactly what i wish i had years ago when i was deciding. one thing that would make it even better is adding a "hidden costs" field for stuff like maintenance, insurance, property tax, and closing costs on the buy side, and maybe a rent increase percentage on the rent side. those real world factors can really flip the answer.
finally a calculator that actually asks for your real numbers instead of giving vague advice. plugged in my situation and the breakdown was way more useful than i expected