Housing Buy vs Rent Simulator

Compare buying vs renting with Mexican mortgage options, property appreciation, and opportunity cost.

Winner (20yr)

Rent + Invest

Buy Net Worth

$6,573,369

Rent Net Worth

$8,140,256

Break-Even

Never

Buy Parameters

Property Price

Down Payment (%)

Credit Type

Mortgage Rate (%)

Term (years)

Appreciation (%/yr)

Property Tax (%/yr)

Maintenance (%/yr)

Rent Parameters

Monthly Rent

Rent Increase (%/yr)

Investment Return (%)

Net Worth Over Time

Horizon:20 yrs

Buy Summary

Down Payment$600,000

Closing Costs$150,000

Loan Amount$2,400,000

Monthly Payment$23,961

Total Interest$3,350,668

Total Paid (20yr)$6,500,668

Rent Summary

Starting Rent$15,000/mo

Rent at Year 20$32,867/mo

Total Rent Paid$5,360,054

Portfolio Value$8,140,256

Verdict

Rent + Invest Wins

by $1,566,886 after 20 years

Investing the down payment + savings generates more wealth

This model assumes: 4% appreciation, 8% investment return, 4% rent increases

All calculations run in your browser. Not financial advice.