True 10–30 year cost comparison including tax savings, equity, opportunity cost & appreciation.
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Renting
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Owning
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$
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$
$
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Analysis Parameters
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💡 Tax Benefit of Owning: Mortgage interest is tax-deductible. Your bracket determines how much the government effectively subsidizes your ownership cost. At 22%, every $1,000 in interest costs you only $780 net.
The longer you stay, the more owning tends to win. Break-even is typically 4–7 years nationally (2025). In high price-to-rent markets (NYC, SF, LA), renting often wins for shorter holds.