Decision model
Rent vs. Buy
Is buying actually worth it for your timeline?
Decision model
Basis simulates your scenario 5,000 times to show you the full picture that your decisions deserve.
Educational projections only. Basis explains visible inputs, assumptions, and modeled tradeoffs; it does not provide financial, tax, legal, investment, lending, insurance, or employment advice. Terms
Below 580 usually means fewer mortgage paths. FHA may allow 500-579 with a larger down payment, but many lenders apply stricter rules. Below 500 is not modeled as a standard mortgage estimate.
This is the crossover zone, so fees and market path matter more.
Ready when you are
Configure your housing scenario and run the analysis
We will model 5,000 housing paths so you can see cost, crossover pressure, and downside risk across your time horizon.
How to read this model
Rent vs. Buy is most useful when your home price, rent, and expected stay are reasonably concrete. Treat the output as a way to see which assumptions are carrying the answer, not as a promise about any one housing market.
Trust boundary
The model is scenario-based. It does not pull live listings, tax records, or mortgage quotes into the calculation.