Free buyer tool

Would you build more wealth renting, or buying?

Compares the wealth you'd have at your time horizon if you bought this home vs. continued renting and invested the difference — down payment, closing costs, appreciation, and all.

Property Details (optional — if you have one in mind)

Property address

Square footage

Acreage

Bedrooms

Bathrooms

If You Buy

Purchase price

Down payment %

Interest rate %

Loan term (years)

Closing costs %of price, paid upfront

Selling costs %if sold at your horizon

Property tax rate %annual, of value

Homeowners insuranceannual $

HOA duesmonthly $

Maintenance %annual, of value

If You Keep Renting

Current monthly rent

Annual rent growth %

Renters insurancemonthly $

Shared Assumptions

Home appreciation %annual

Investment return %for money not spent on buying

Time horizon7 years

BUY

The verdict

If You Buy

Home value at horizon
Remaining mortgage balance
Less selling costs
Net proceeds if sold at horizon

If You Rent & Invest the Difference

Down payment + closing costs, invested
Monthly savings, invested (or drawn down)
Investment portfolio at horizon

Buy (net worth if sold) Rent & invest

This tool provides general, educational estimates only and is not tax, legal, or financial advice, and does not include potential tax benefits of homeownership (such as mortgage interest deduction), which would generally improve the buy scenario further. Please consult a CPA or financial advisor before making a decision.

Rent vs. Buy Calculator — Summary | Dave Cash Realty Group, Asheville, NC | Prepared

Ready to run your real numbers?

Dave Cash Realty Group can walk through this with your actual rent, target neighborhoods, and a real lender quote.

Dave Cash Realty Group
Asheville, North Carolina
davecash@uniquecollective.us
(828) 761-3799