HavenCalc · Free tools · Real data · Every assumption shown

Should you buy or rent?

The honest math, from someone who appraises real estate for a living. Pick a city or zip code, or type in the home you're looking at, and see when buying actually pays off.

Rent or buy calculator

Net worth both ways, breakeven year, what happens if you sell in 1, 5 or 10 years, and the full cash flow table.

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Housing market check

Are home prices and rents stretched? Six tests against history, with the data behind each one.

See the market →