Sample report with fictional numbers.
Rent vs Buy Analysis Sample

Buying looks stronger after year seven

This fictional scenario compares renting at $2,900/month with buying a $685,000 home using a 15% down payment and a 10-year horizon.

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Owner monthly cost $5,180/mo

Mortgage, taxes, insurance, HOA, maintenance, and PMI estimate.

Renter monthly cost $3,170/mo

Rent plus insurance and expected annual rent growth.

10-year net worth delta +$86,000

Modeled advantage for buying if appreciation and timeline assumptions hold.

What to verify next

Checklist

  • Stress-test the result with lower appreciation and higher maintenance.
  • Confirm tax, insurance, HOA, and PMI assumptions with actual quotes.
  • Compare the down payment opportunity cost against your investment assumptions.
  • Rerun the model if your expected ownership period changes.
Educational note

Use this as a guide

This sample is fictional and simplified. HomeDecisionLab reports are educational decision-support tools, not financial, legal, tax, mortgage, investment, appraisal, or real estate advice.

Use your own numbers and verify assumptions with qualified professionals before making decisions.