Compare the full holding-period math: carrying costs, opportunity cost, taxes, and exit drag.
Inputs
Edit the buy and rent paths.
CUSTOM7 yr horizon
Purchase
Ownership costs
Rent path
Horizon
State tax + rate scenario
Read first
Do not stop at the payment.
Break-even
If you leave before it, buying can still be the weaker move.
Wealth delta
This is the cleanest bottom line at the same horizon.
LeaningRentRenting finishes ahead
Break-evenNeverInside 7 yr
Wealth delta-$23,859Year 7 · buy minus rent
Buy / mo$2,961Year 1 true cost
Gap / mo$546Year 1 · buy minus rent
Summary
Renting stays ahead by $23,859 over 7 years.
This scenario never fully crosses break-even inside the 7-year hold. The biggest swing variables are appreciation, investment return, and the year-1 monthly cost gap.
7 yr hold3.0% appreciation7.0% invest return
Net worth curve
When the lines split
BuyRent
Decision details
What drives it
Opportunity cost
Renting assumes the down payment and closing cash compound at 7.0% instead of being locked in the home.
Tax drag
Ownership uses a 24.0% marginal rate and caps property-tax deductibility inside the model.
Exit friction
7.0% selling costs come off the ownership path at liquidation, so the win has to clear that drag.