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Buy vs Rent Calculator

Stop guessing. Run the real math on owning versus renting so you can plan with clear numbers, not opinions.

Launch Buy vs Rent Calculator Get Pre-Approved
Buy vs Rent Calculator screenshot

Who this is for

San Diego and California renters deciding whether to buy, and homeowners who want a clean side-by-side view of long-term cost.

How it works

  • Enter home price, down payment, rate, and term
  • Add comparable monthly rent and expected rent growth
  • Review taxes, insurance, and appreciation assumptions
  • See break-even timing, equity buildup, and total cost milestones

Why it helps

  • Shows when buying starts to win on total cost, not just monthly payment
  • Makes equity and appreciation visible instead of abstract
  • Helps you pressure-test “rent is cheaper” before you decide

Frequently asked questions

Is this a mortgage approval?

No. It is an educational comparison tool. Formal qualification still requires a full application and underwriting.

Can I change the assumptions?

Yes. Adjust price, rent, rate, taxes, and growth inputs to match your scenario.

Who built this?

Amir Nurani of Left Coast Leaders, Inc., a San Diego mortgage brokerage (NMLS #197458).

Ready for real numbers?

Use the free tool, then get pre-approved so your next step is backed by a local San Diego mortgage team.

Launch Tool Get Pre-Approved

(619) 366-9494 · Amir Nurani · NMLS #197458

This tool provides general estimates and educational information only. It is not a loan approval, credit decision, appraisal, or personalized financial advice. Actual mortgage qualification depends on credit, income, assets, property, and underwriting. Left Coast Leaders, Inc. NMLS #2394495. Amir Nurani NMLS #197458. Equal Housing Lender.

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What's your main goal right now?

This helps us prepare the right options for you.

Where should we send your options?

We'll only use this to follow up about your mortgage goals. No spam.

You're all set.

We've received your information and will be in touch shortly. In the meantime, continue to your personalized application. It only takes about 2 minutes.

Continue to Application

Takes about 2 minutes