Calcolatore Avanzato Comprare vs Affittare — Formula
## Buy vs Rent Comparison
Deciding whether to buy or rent depends on how long you plan to stay, local price-to-rent ratios, your opportunity cost of capital, and personal lifestyle preferences.
### Buying Costs
- Down payment (opportunity cost of locked capital)
- Monthly mortgage payments (principal + interest)
- Property taxes, insurance, and maintenance
- Closing costs at purchase and sale
### Renting Costs
- Monthly rent (increasing over time)
- Renter's insurance (relatively small)
- No maintenance or tax obligations
- Savings from not making a down payment can be invested
### General Guidelines
- Buying generally wins if you stay 5+ years in most markets
- High price-to-rent ratios favor renting
- The break-even horizon depends heavily on appreciation and rent growth rates
Deciding whether to buy or rent depends on how long you plan to stay, local price-to-rent ratios, your opportunity cost of capital, and personal lifestyle preferences.
### Buying Costs
- Down payment (opportunity cost of locked capital)
- Monthly mortgage payments (principal + interest)
- Property taxes, insurance, and maintenance
- Closing costs at purchase and sale
### Renting Costs
- Monthly rent (increasing over time)
- Renter's insurance (relatively small)
- No maintenance or tax obligations
- Savings from not making a down payment can be invested
### General Guidelines
- Buying generally wins if you stay 5+ years in most markets
- High price-to-rent ratios favor renting
- The break-even horizon depends heavily on appreciation and rent growth rates
Esempio Risolto
A $400,000 home with 20% down at 6.5% vs. renting at $2,200/month with 3% annual rent increases, over a 7-year horizon with 3% appreciation.
- Down payment: $400,000 x 20% = $80,000
- Loan amount: $320,000
- Monthly mortgage (30-yr): approximately $2,023
- Total mortgage over 7 years: $2,023 x 84 = $169,932
- Total taxes + insurance + maintenance: ($5,000 + $1,800 + $4,000) x 7 = $75,600
- Total buying cost: $80,000 + $169,932 + $75,600 = $325,532
- Home value after 7 years: $400,000 x 1.03^7 = $491,918
- Total rent paid: approximately $197,045