Calculadora Avançada Comprar vs Alugar — 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

    • Exemplo Resolvido

    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.

    1. Down payment: $400,000 x 20% = $80,000
    2. Loan amount: $320,000
    3. Monthly mortgage (30-yr): approximately $2,023
    4. Total mortgage over 7 years: $2,023 x 84 = $169,932
    5. Total taxes + insurance + maintenance: ($5,000 + $1,800 + $4,000) x 7 = $75,600
    6. Total buying cost: $80,000 + $169,932 + $75,600 = $325,532
    7. Home value after 7 years: $400,000 x 1.03^7 = $491,918
    8. Total rent paid: approximately $197,045