Compare the full holding-period math: carrying costs, opportunity cost, taxes, and exit drag.
Loaded property
8012 N 11th St
Tampa, FL 33604
Price
$295,000
Domora
38
Rent est.
$2,950
High-friction diligencePermit gap
Rent vs buy
Buy wins · $159,012
Yr 2 · 7yr
Inputs
Edit the buy and rent paths.
PROPERTY7 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.
LeaningBuyOwnership finishes ahead
Break-evenYr 2Inside 7 yr
Wealth delta$159,012Year 7 · buy minus rent
Buy / mo$2,223Year 1 true cost
Gap / mo-$742Year 1 · buy minus rent
Summary
Buying finishes ahead by $159,012 over 7 years.
Ownership eventually absorbs the carrying-cost drag and pulls ahead after year 2. The win is driven by equity growth plus appreciation surviving selling costs at exit.
7 yr hold3.0% appreciation7.0% invest returnFL tax model
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.