A clearer rent-vs-buy conversation for Nashville clients.

Adjust the assumptions together, compare both paths over time, and share the exact scenario without asking the client to create an account.

No client account required
Every assumption stays editable
Exact scenarios remain shareable

Rent vs. buy calculator

Start with three inputs, or open advanced assumptions for a detailed scenario you can save and share by link.

Method, sources, and limitations

Sourced page starting values

The page starts with Zillow's $429,741 typical home value and $1,834 typical observed market-rate rent for August 31, 2026.
The starting 6.76% mortgage rate is the national Freddie Mac 30-year fixed average as of September 10, 2026.
The starting 0.6% property-tax input is a planning estimate derived from 2024 Census medians, not a parcel-specific tax rate.

Mortgage-rate source · Home-value methodology · Rent methodology

Values you change are your scenario inputs—not observed city data or forecasts. The model assumes the home is sold at the end of the selected period, tracks monthly costs and mortgage amortization, and invests the upfront cash and any monthly savings available to the renter or buyer.

The model uses nominal future dollars and excludes tax deductions, capital-gains tax, and investment tax. Results are educational estimates, not financial advice, a mortgage quote, or a qualification.