Acheter ou Louer
Comparez l'impact financier de l'achat immobilier contre la location. Calculez les mensualités, la valorisation et les rendements alternatifs.
Lisez aussi: Guide complet du calculateur, Guide louer vs acheter, Calculateur accessibilité hypothèque, Acheter — parcours guidé, Guia alugar vs comprar imóvel, Calculadora de juros compostos, Calculadora de financiamento
Comment ça marche
A rent vs buy calculator compares net wealth from owning (equity minus costs) versus renting and investing the down payment over your planned stay.
Comparez patrimoine net : louer (placer l'apport) vs acheter. L'année pivot dépend de la durée, du crédit, de l'inflation des loyers et de la plus-value.
Quand acheter bat-il la location?
Acheter accumule l'equity mais paie intérêts, entretien, taxes et frais de clôture. Louer laisse l'apport investi avec rendement d'opportunité—comparez patrimoine net sur votre horizon de séjour.
Seuil de rentabilité : souvent 5–8 ans après frais de transaction (~2–3 % achat + vente). Séjours courts favorisent la location.
Stress-testez loyer, appréciation du bien et rendement alternatif—une hypothèse change le gagnant.
Guide, exemples et méthodologie
How to use this rent vs buy calculator
Enter home price, down payment, mortgage rate and term, rent, rent growth, home appreciation, maintenance/tax burden, and how long you might stay. Compare net wealth from buying versus renting and investing the down payment difference.
Example (USD)
| Input | Sample | Why it matters |
|---|---|---|
| Home price | $450,000 | Drives loan size and equity |
| Down payment | 20% ($90,000) | Opportunity cost if you rented |
| Horizon | 7 years | Buying often wins with longer stays |
How we calculate
Buying path: equity build-up minus carrying costs (mortgage interest, maintenance, taxes, insurance proxy). Renting path: investable cash that would have been tied up in the home, minus rent increases. Break-even depends heavily on local prices—this is a model, not an appraisal.
Common mistakes
- Ignoring transaction costs (agent fees, closing) when moving within 3–5 years.
- Using national average appreciation for a specific metro.
- Forgetting HOA, special assessments, or major repairs in owner costs.
- Comparing rent on a 1-bed apartment to buying a single-family home.
Break-even and how long you stay
Closing costs on a purchase—typically 2–5% of price plus moving expenses—must be spread over years of ownership to beat renting. Many US markets show rent vs buy break-even between five and ten years depending on price-to-rent ratios. If you might relocate for work within three years, model that horizon explicitly; buying often loses after frictional costs.
Opportunity cost of the down payment
Money in a down payment is money not invested elsewhere. This calculator's renting path invests that cash at your stated return assumption while you pay rent. If you expect strong stock market returns and local home appreciation is modest, renting plus investing can win on paper—behavior and discipline matter in real life.
Taxes and itemized deductions (US)
Mortgage interest and property tax may be deductible when you itemize, but the standard deduction covers many households after recent tax law changes. We do not model individual tax outcomes here—treat tax savings as uncertain and run scenarios with and without them if you itemize.
Next steps after rent vs buy
If buying wins on horizon, bracket price with our mortgage affordability calculator, then model payment and amortization on the mortgage calculator. Our Buy a Home Financial Path chains affordability → rent vs buy → points → HELOC → refinance in one guided sequence.
Related calculators
- Calculateur d'Accessibilité Hypothécaire
- Calculateur de Prêt
- Calculateur de Points Hypothécaires
- Calculateur HELOC
Questions fréquentes
Is it better to rent or buy a house?
It depends on how long you stay, local prices, rent levels, and your investment return on cash not tied up in a down payment. Short stays often favor renting; longer horizons often favor buying in many US markets—but run your city’s numbers here.
Quand l'achat bat-il la location ?
Acheter gagne souvent si vous restez au-delà du point pivot, avec loyers et prix qui montent. Court séjour → louer.
Coût d'opportunité de l'apport ?
L'apport pourrait être placé en Bourse si vous louez — rendement alternatif élevé → location.
Faut-il inclure plus-value et inflation des loyers ?
Oui — souvent décisifs. Testez plusieurs hypothèses.
Remplace-t-il un conseil immobilier ?
Non — modèle pédagogique ; fiscalité et facteurs personnels comptent.