Should you rent or buy?

An interactive calculator that compares the net wealth of buying a home vs. renting and investing over 10 years. Pick your city, adjust the assumptions, and find your breakeven year.

San Francisco
Prop 13 tax cap · 1.18% property tax · high HOA growth
New York City
All boroughs · 0.7% effective condo tax · mansion tax · high buyer closing
Chicago
Cook County · 1.9% property tax · IL 4.95% state income tax
Austin
Travis County · 1.8% property tax · no state income tax · flat market
Each calculator uses the same math engine with city-specific defaults for property tax, closing costs, tax rates, and market conditions. All assumptions are adjustable. Not financial advice — consult a professional before making real estate decisions.