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Friday, March 27, 2026
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30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲

Buy vs Invest Calculator

Compare home equity against investing the same dollars in the market.

Scenario Inputs

Appreciation used in buy-side math: +4.2%/yr · median home $525,000
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Quick pick mortgage rates
Loan Amount: $420,000
Decision
Investing beats buying by $275,457 over 10 years
Total Home Cost
$419,595
Investment Value
$712,679
Total Cost of Owning
$419,595
Future Value if Invested
$712,679
Projected Home Value
$792,203
Home Equity After Hold
$437,222
Appreciation Gain
$267,203
Net Difference
$275,457
Monthly Mortgage
$2,622
Interest Paid
$249,577
Appreciation Rate Used
4.2%
Balance Remaining
$354,981
How this works

Buying tracks mortgage amortization and adds annual home appreciation from the selected market to estimate your ending property value. Investing assumes the down payment is invested up front and the same monthly cash goes into the market instead.