NYC Rent vs Buy — 5-Year Break-Even

Includes the line items NY-Times-style calculators miss: mansion tax, RPTT, mortgage recording tax, NY 6–8% sell-side closing costs, opportunity cost of down payment.

Your Numbers

Home Price ($)

Comparable Monthly Rent ($)

Down Payment (%)

Interest Rate (%)

Years to Hold

Annual Appreciation (%)

Annual Rent Increase (%)

Annual Property Tax (%)

Annual HOA / Maintenance ($)

Investment Return on Down (%)

NYC or LI?

After 5 years

Calculating...

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Break-even: —

🔑 If You Rent

🏠 If You Buy

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