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Is It Better to Rent or Buy?

Is It Better to Rent or Buy?
These are the costs on top of rent, such as the fee you pay to a broker and the opportunity cost on your security deposit. But these expenses typically have a negligible impact. Methodology The calculator keeps a running tally of the most common expenses of owning and renting. It also takes into account something known as opportunity cost — for example, the return you could have earned by investing your money instead of spending it on a down payment. The calculator assumes that the profit you would have made in your investments would be taxed as long-term capital gains and adjusts the bottom line accordingly. Buying Initial costs are the costs you incur when you go to the closing for the home you are purchasing. Recurring costs are expenses you will have to pay monthly or yearly in owning your home. Opportunity costs are tracked for the initial purchase costs and for the recurring costs. Renting Initial costs include the rent security deposit and, if applicable, the broker’s fee.

http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html

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