When is renting better?

Short stays (<5 yrs) or very high mortgage rates often favor renting.

Maintenance included?

No — model is simplified. Add maintenance for a fuller view.

Use the property transfer fee calculator to include them.

Rent vs. Buy

Enter the home price, down payment, mortgage rate, current rent, and how long you'll stay.

Home priceDown paymentMortgage rate %Mortgage term (yrs)Monthly rentComparison horizon (yrs)Home appreciation % / yrRent inflation % / yr

Better financially

Buy

by SAR 468,699

We compute net buy cost (payments minus equity built) vs. total rent over the horizon, factoring in appreciation and rent inflation.

Net buy = down + monthly × months − equity ⟷ Rent = Σ yearly rent with inflation

SAR 900k home, 180k down, 5% rate vs SAR 4,500/mo rent for 7 yrs ≈ buy saves ~60,000.

When is renting better?: Short stays (<5 yrs) or very high mortgage rates often favor renting.
Maintenance included?: No — model is simplified. Add maintenance for a fuller view.
Transfer fees?: Use the property transfer fee calculator to include them.