Buy-Vs.-Rent

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Buy vs. Rent Analysis | Jessica Williams | Indianapolis Real Estate

Jessica Williams

Ms. Indianapolis Real Estate · eXp Realty Luxury

Buy vs. Rent Analysis

Home purchase details

Home purchase price

Down payment (%)

Interest rate (%)

Loan term (years)

Property tax rate (%)

Annual home appreciation (%)

Monthly HOA ($)

Monthly home insurance ($)

Annual maintenance (% of value)

Closing costs (%)

PMI rate (% if <20% down)

Renting details

Current monthly rent ($)

Annual rent increase (%)

Renter's insurance ($/mo)

Analysis settings

Years to analyze

Investment return — opportunity cost (%)

Buying

True monthly cost

Renting

True monthly cost

Wealth comparison over time

Net worth — buying Net worth — renting Home equity

Year-over-year breakdown

Year	Home value	Loan balance	Equity	Buy net worth	Rent net worth	Wealth gap

Rent net worth assumes down payment + closing costs invested, growing at opportunity cost rate, minus rent paid vs. mortgage paid difference invested monthly. For illustration purposes only — not financial advice.

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Jessica Williams

Indianapolis Real Estate

eXp Realty · Luxury

765.620.7349 ms.indyrealestate@gmail.com

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