Compare the unrecoverable cost of each choice over your time horizon.
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The model compares unrecoverable costs and estimated sale proceeds. It does not include tax deductions or investment returns.
Buying cost includes mortgage payments, taxes, maintenance, purchase costs, selling costs, and estimated equity at sale. Renting cost includes monthly rent and annual increases.
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Buying has large upfront and selling costs, so it often becomes more competitive only after several years.
No. Estimated sale proceeds after the mortgage balance and selling costs are subtracted from ownership outlays.
Tax deductions, investment returns, utilities, insurance differences, and local market details are not modeled.