Rent vs. Total Cost of Ownership

Monthly rent compared to total monthly cost of owning (P&I + taxes + insurance + maintenance)

$8,545/mo92nd percentile
1M: ↓ $63/mo

As of 2026-01-01 · Updated April 17, 2026

Geography:

What it means

  • Compares the total monthly cost of owning (P&I + taxes + insurance + maintenance) vs. monthly rent.
  • When the mortgage line is well above rent, renting is the cheaper monthly option — and vice versa.
  • Anchored to a $400K home and $2K/month rent at Jan 2000, scaled by Case-Shiller HPI and CPI Rent.
Data Sources