Rent vs. Buy in a High-Appreciation Market: $350K Home
Compare buying a $350,000 home in a high-appreciation market (5% annual growth) versus renting at $1,800/month.
How to use this tool
- Enter home price, down payment, mortgage interest rate, current monthly rent, annual home appreciation, annual rent increase and years to compare in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your buy scenario equity and the full breakdown beneath it.
In a high-appreciation market, buying a $350,000 home can generate substantial equity that makes purchasing the clear winner over renting.
Frequently asked questions
- What costs are not included?
- This model excludes property taxes, maintenance (~1% of home value/year), HOA fees, insurance, and transaction costs. Add these to the buy side for a more complete comparison.
- When does buying always win?
- In high-appreciation markets with long time horizons, buying typically dominates because leverage amplifies gains. Renting wins in stagnant markets when renters invest the difference aggressively.