Free Price-to-Rent Ratio Calculator

Compare the cost of buying versus renting by dividing the property price by annual rent to assess market conditions.

USD
USD

Price-to-Rent Ratio

15.2

Annual Rent$26,400
Rent as % of Price6.60%

Price-to-Rent Ratio vs Comparable Monthly Rent

Price-to-Rent Ratio Analysis

The price-to-rent ratio helps determine whether buying or renting is more favorable in a given market.

Formula

Price-to-Rent Ratio = Home Price / Annual Rent

Interpretation

  • Below 15: Buying is generally favorable
  • 15 to 20: Closer to neutral; depends on personal factors
  • Above 20: Renting may be more cost-effective
  • Above 25: Strongly favors renting over buying
  • Example Calculation

    A home costs $400,000 to buy, while comparable rentals cost $2,200 per month.

    1. 01Annual rent: $2,200 x 12 = $26,400
    2. 02Price-to-rent ratio: $400,000 / $26,400 = 15.2
    3. 03Rent as % of price: $26,400 / $400,000 x 100 = 6.60%
    4. 04A ratio of 15.2 is in the neutral zone, slightly favoring buying

    Frequently Asked Questions

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