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๐ŸŽฏ WealthSpott

ยฉ 2026 WealthSpott. Independent reviews, no sponsored rankings.

ToolsBuy vs. Rent

Buy vs. Rent
Is it worth buying in your city?

Pick a city and see the price-to-rent ratio, monthly ownership costs, income needed to qualify, and how many years until buying beats renting.

Which city are you considering?

Popular markets

๐ŸŽธ
Austin, TX
P/R ratio ~18x
๐Ÿ”๏ธ
Denver, CO
P/R ratio ~20x
๐ŸŒด
Miami, FL
P/R ratio ~22x
๐ŸŽต
Nashville, TN
P/R ratio ~19x
๐ŸŒต
Phoenix, AZ
P/R ratio ~17x
๐Ÿ
Charlotte, NC
P/R ratio ~16x
๐Ÿ—ฝ
New York, NY
P/R ratio ~30x
๐ŸŒ‰
San Francisco, CA
P/R ratio ~33x

How to read the price-to-rent ratio

Below 15ร— โ†’ Buy
Buying is clearly cheaper than renting long-term. Strong buyer's market.
15โ€“20ร— โ†’ It depends
Run the break-even calculator. Depends on how long you stay.
Above 20ร— โ†’ Renting wins
Renting and investing the difference often beats buying in expensive cities.
๐Ÿ  Compare Mortgages
30-yr, 15-yr, ARM & FHA rates
๐Ÿ”‘ Home Affordability
Max home price for your income
๐Ÿšš Moving Calculator
COL comparison + 30yr wealth
โš–๏ธ City Comparison
Full side-by-side analysis