scenario stringlengths 38 52 | city stringclasses 167
values | state stringclasses 13
values | county stringclasses 152
values | homePrice int64 76k 630k | monthlyRent int64 1.2k 2.1k | downPayment int64 2.66k 22.1k | downPaymentPercent float64 3.5 3.5 | loanType stringclasses 1
value | interestRate float64 6.5 6.5 | monthlyPITI int64 741 5.23k | monthlyMortgage dict | comparison dict | recommendation stringclasses 3
values | insight stringlengths 65 92 | source stringclasses 1
value | lastUpdated timestamp[s]date 2026-01-15 00:00:00 2026-01-15 00:00:00 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Memphis, TN - $228K home vs $1200/mo rent | Memphis | TN | Shelby County | 228,000 | 1,200 | 7,980 | 3.5 | FHA | 6.5 | 1,955 | {
"principal": 209,
"interest": 1182,
"taxes": 314,
"insurance": 150,
"mip": 101
} | {
"buyVsRent": 755,
"yearlyAppreciation": 9576,
"equityBuiltYear1": 2503,
"breakevenYears": 5
} | RENT | Buying costs $755/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $228K home vs $1500/mo rent | Memphis | TN | Shelby County | 228,000 | 1,500 | 7,980 | 3.5 | FHA | 6.5 | 1,955 | {
"principal": 209,
"interest": 1182,
"taxes": 314,
"insurance": 150,
"mip": 101
} | {
"buyVsRent": 455,
"yearlyAppreciation": 9576,
"equityBuiltYear1": 2503,
"breakevenYears": 3
} | RENT | Buying costs $455/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $228K home vs $1800/mo rent | Memphis | TN | Shelby County | 228,000 | 1,800 | 7,980 | 3.5 | FHA | 6.5 | 1,955 | {
"principal": 209,
"interest": 1182,
"taxes": 314,
"insurance": 150,
"mip": 101
} | {
"buyVsRent": 155,
"yearlyAppreciation": 9576,
"equityBuiltYear1": 2503,
"breakevenYears": 2
} | BUY | Buying costs $155/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $228K home vs $2100/mo rent | Memphis | TN | Shelby County | 228,000 | 2,100 | 7,980 | 3.5 | FHA | 6.5 | 1,955 | {
"principal": 209,
"interest": 1182,
"taxes": 314,
"insurance": 150,
"mip": 101
} | {
"buyVsRent": -145,
"yearlyAppreciation": 9576,
"equityBuiltYear1": 2503,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $145/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $285K home vs $1200/mo rent | Memphis | TN | Shelby County | 285,000 | 1,200 | 9,975 | 3.5 | FHA | 6.5 | 2,406 | {
"principal": 261,
"interest": 1478,
"taxes": 392,
"insurance": 150,
"mip": 126
} | {
"buyVsRent": 1206,
"yearlyAppreciation": 11970,
"equityBuiltYear1": 3129,
"breakevenYears": 30
} | RENT | Buying costs $1206/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $285K home vs $1500/mo rent | Memphis | TN | Shelby County | 285,000 | 1,500 | 9,975 | 3.5 | FHA | 6.5 | 2,406 | {
"principal": 261,
"interest": 1478,
"taxes": 392,
"insurance": 150,
"mip": 126
} | {
"buyVsRent": 906,
"yearlyAppreciation": 11970,
"equityBuiltYear1": 3129,
"breakevenYears": 5
} | RENT | Buying costs $906/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $285K home vs $1800/mo rent | Memphis | TN | Shelby County | 285,000 | 1,800 | 9,975 | 3.5 | FHA | 6.5 | 2,406 | {
"principal": 261,
"interest": 1478,
"taxes": 392,
"insurance": 150,
"mip": 126
} | {
"buyVsRent": 606,
"yearlyAppreciation": 11970,
"equityBuiltYear1": 3129,
"breakevenYears": 3
} | RENT | Buying costs $606/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $285K home vs $2100/mo rent | Memphis | TN | Shelby County | 285,000 | 2,100 | 9,975 | 3.5 | FHA | 6.5 | 2,406 | {
"principal": 261,
"interest": 1478,
"taxes": 392,
"insurance": 150,
"mip": 126
} | {
"buyVsRent": 306,
"yearlyAppreciation": 11970,
"equityBuiltYear1": 3129,
"breakevenYears": 2
} | CONSIDER | Buying costs $306/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $342K home vs $1200/mo rent | Memphis | TN | Shelby County | 342,000 | 1,200 | 11,970 | 3.5 | FHA | 6.5 | 2,858 | {
"principal": 313,
"interest": 1773,
"taxes": 470,
"insurance": 150,
"mip": 151
} | {
"buyVsRent": 1658,
"yearlyAppreciation": 14364,
"equityBuiltYear1": 3755,
"breakevenYears": 99
} | RENT | Buying costs $1658/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $342K home vs $1500/mo rent | Memphis | TN | Shelby County | 342,000 | 1,500 | 11,970 | 3.5 | FHA | 6.5 | 2,858 | {
"principal": 313,
"interest": 1773,
"taxes": 470,
"insurance": 150,
"mip": 151
} | {
"buyVsRent": 1358,
"yearlyAppreciation": 14364,
"equityBuiltYear1": 3755,
"breakevenYears": 13
} | RENT | Buying costs $1358/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $342K home vs $1800/mo rent | Memphis | TN | Shelby County | 342,000 | 1,800 | 11,970 | 3.5 | FHA | 6.5 | 2,858 | {
"principal": 313,
"interest": 1773,
"taxes": 470,
"insurance": 150,
"mip": 151
} | {
"buyVsRent": 1058,
"yearlyAppreciation": 14364,
"equityBuiltYear1": 3755,
"breakevenYears": 5
} | RENT | Buying costs $1058/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Memphis, TN - $342K home vs $2100/mo rent | Memphis | TN | Shelby County | 342,000 | 2,100 | 11,970 | 3.5 | FHA | 6.5 | 2,858 | {
"principal": 313,
"interest": 1773,
"taxes": 470,
"insurance": 150,
"mip": 151
} | {
"buyVsRent": 758,
"yearlyAppreciation": 14364,
"equityBuiltYear1": 3755,
"breakevenYears": 3
} | RENT | Buying costs $758/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $388K home vs $1200/mo rent | Nashville | TN | Davidson County | 388,000 | 1,200 | 13,580 | 3.5 | FHA | 6.5 | 3,159 | {
"principal": 355,
"interest": 2012,
"taxes": 446,
"insurance": 175,
"mip": 172
} | {
"buyVsRent": 1959,
"yearlyAppreciation": 12028,
"equityBuiltYear1": 4260,
"breakevenYears": 99
} | RENT | Buying costs $1959/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $388K home vs $1500/mo rent | Nashville | TN | Davidson County | 388,000 | 1,500 | 13,580 | 3.5 | FHA | 6.5 | 3,159 | {
"principal": 355,
"interest": 2012,
"taxes": 446,
"insurance": 175,
"mip": 172
} | {
"buyVsRent": 1659,
"yearlyAppreciation": 12028,
"equityBuiltYear1": 4260,
"breakevenYears": 99
} | RENT | Buying costs $1659/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $388K home vs $1800/mo rent | Nashville | TN | Davidson County | 388,000 | 1,800 | 13,580 | 3.5 | FHA | 6.5 | 3,159 | {
"principal": 355,
"interest": 2012,
"taxes": 446,
"insurance": 175,
"mip": 172
} | {
"buyVsRent": 1359,
"yearlyAppreciation": 12028,
"equityBuiltYear1": 4260,
"breakevenYears": 99
} | RENT | Buying costs $1359/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $388K home vs $2100/mo rent | Nashville | TN | Davidson County | 388,000 | 2,100 | 13,580 | 3.5 | FHA | 6.5 | 3,159 | {
"principal": 355,
"interest": 2012,
"taxes": 446,
"insurance": 175,
"mip": 172
} | {
"buyVsRent": 1059,
"yearlyAppreciation": 12028,
"equityBuiltYear1": 4260,
"breakevenYears": 8
} | RENT | Buying costs $1059/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $485K home vs $1200/mo rent | Nashville | TN | Davidson County | 485,000 | 1,200 | 16,975 | 3.5 | FHA | 6.5 | 3,905 | {
"principal": 444,
"interest": 2515,
"taxes": 558,
"insurance": 175,
"mip": 215
} | {
"buyVsRent": 2705,
"yearlyAppreciation": 15035,
"equityBuiltYear1": 5325,
"breakevenYears": 99
} | RENT | Buying costs $2705/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $485K home vs $1500/mo rent | Nashville | TN | Davidson County | 485,000 | 1,500 | 16,975 | 3.5 | FHA | 6.5 | 3,905 | {
"principal": 444,
"interest": 2515,
"taxes": 558,
"insurance": 175,
"mip": 215
} | {
"buyVsRent": 2405,
"yearlyAppreciation": 15035,
"equityBuiltYear1": 5325,
"breakevenYears": 99
} | RENT | Buying costs $2405/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $485K home vs $1800/mo rent | Nashville | TN | Davidson County | 485,000 | 1,800 | 16,975 | 3.5 | FHA | 6.5 | 3,905 | {
"principal": 444,
"interest": 2515,
"taxes": 558,
"insurance": 175,
"mip": 215
} | {
"buyVsRent": 2105,
"yearlyAppreciation": 15035,
"equityBuiltYear1": 5325,
"breakevenYears": 99
} | RENT | Buying costs $2105/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $485K home vs $2100/mo rent | Nashville | TN | Davidson County | 485,000 | 2,100 | 16,975 | 3.5 | FHA | 6.5 | 3,905 | {
"principal": 444,
"interest": 2515,
"taxes": 558,
"insurance": 175,
"mip": 215
} | {
"buyVsRent": 1805,
"yearlyAppreciation": 15035,
"equityBuiltYear1": 5325,
"breakevenYears": 99
} | RENT | Buying costs $1805/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $582K home vs $1200/mo rent | Nashville | TN | Davidson County | 582,000 | 1,200 | 20,370 | 3.5 | FHA | 6.5 | 4,652 | {
"principal": 532,
"interest": 3017,
"taxes": 669,
"insurance": 175,
"mip": 257
} | {
"buyVsRent": 3452,
"yearlyAppreciation": 18042,
"equityBuiltYear1": 6390,
"breakevenYears": 99
} | RENT | Buying costs $3452/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $582K home vs $1500/mo rent | Nashville | TN | Davidson County | 582,000 | 1,500 | 20,370 | 3.5 | FHA | 6.5 | 4,652 | {
"principal": 532,
"interest": 3017,
"taxes": 669,
"insurance": 175,
"mip": 257
} | {
"buyVsRent": 3152,
"yearlyAppreciation": 18042,
"equityBuiltYear1": 6390,
"breakevenYears": 99
} | RENT | Buying costs $3152/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $582K home vs $1800/mo rent | Nashville | TN | Davidson County | 582,000 | 1,800 | 20,370 | 3.5 | FHA | 6.5 | 4,652 | {
"principal": 532,
"interest": 3017,
"taxes": 669,
"insurance": 175,
"mip": 257
} | {
"buyVsRent": 2852,
"yearlyAppreciation": 18042,
"equityBuiltYear1": 6390,
"breakevenYears": 99
} | RENT | Buying costs $2852/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Nashville, TN - $582K home vs $2100/mo rent | Nashville | TN | Davidson County | 582,000 | 2,100 | 20,370 | 3.5 | FHA | 6.5 | 4,652 | {
"principal": 532,
"interest": 3017,
"taxes": 669,
"insurance": 175,
"mip": 257
} | {
"buyVsRent": 2552,
"yearlyAppreciation": 18042,
"equityBuiltYear1": 6390,
"breakevenYears": 99
} | RENT | Buying costs $2552/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $132K home vs $1200/mo rent | Jackson | MS | Hinds County | 132,000 | 1,200 | 4,620 | 3.5 | FHA | 6.5 | 1,220 | {
"principal": 121,
"interest": 684,
"taxes": 156,
"insurance": 200,
"mip": 58
} | {
"buyVsRent": 20,
"yearlyAppreciation": 3696,
"equityBuiltYear1": 1449,
"breakevenYears": 2
} | BUY | Buying costs $20/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $132K home vs $1500/mo rent | Jackson | MS | Hinds County | 132,000 | 1,500 | 4,620 | 3.5 | FHA | 6.5 | 1,220 | {
"principal": 121,
"interest": 684,
"taxes": 156,
"insurance": 200,
"mip": 58
} | {
"buyVsRent": -280,
"yearlyAppreciation": 3696,
"equityBuiltYear1": 1449,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $280/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $132K home vs $1800/mo rent | Jackson | MS | Hinds County | 132,000 | 1,800 | 4,620 | 3.5 | FHA | 6.5 | 1,220 | {
"principal": 121,
"interest": 684,
"taxes": 156,
"insurance": 200,
"mip": 58
} | {
"buyVsRent": -580,
"yearlyAppreciation": 3696,
"equityBuiltYear1": 1449,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $580/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $132K home vs $2100/mo rent | Jackson | MS | Hinds County | 132,000 | 2,100 | 4,620 | 3.5 | FHA | 6.5 | 1,220 | {
"principal": 121,
"interest": 684,
"taxes": 156,
"insurance": 200,
"mip": 58
} | {
"buyVsRent": -880,
"yearlyAppreciation": 3696,
"equityBuiltYear1": 1449,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $880/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $165K home vs $1200/mo rent | Jackson | MS | Hinds County | 165,000 | 1,200 | 5,775 | 3.5 | FHA | 6.5 | 1,475 | {
"principal": 151,
"interest": 855,
"taxes": 195,
"insurance": 200,
"mip": 73
} | {
"buyVsRent": 275,
"yearlyAppreciation": 4620,
"equityBuiltYear1": 1812,
"breakevenYears": 4
} | CONSIDER | Buying costs $275/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $165K home vs $1500/mo rent | Jackson | MS | Hinds County | 165,000 | 1,500 | 5,775 | 3.5 | FHA | 6.5 | 1,475 | {
"principal": 151,
"interest": 855,
"taxes": 195,
"insurance": 200,
"mip": 73
} | {
"buyVsRent": -25,
"yearlyAppreciation": 4620,
"equityBuiltYear1": 1812,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $25/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $165K home vs $1800/mo rent | Jackson | MS | Hinds County | 165,000 | 1,800 | 5,775 | 3.5 | FHA | 6.5 | 1,475 | {
"principal": 151,
"interest": 855,
"taxes": 195,
"insurance": 200,
"mip": 73
} | {
"buyVsRent": -325,
"yearlyAppreciation": 4620,
"equityBuiltYear1": 1812,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $325/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $165K home vs $2100/mo rent | Jackson | MS | Hinds County | 165,000 | 2,100 | 5,775 | 3.5 | FHA | 6.5 | 1,475 | {
"principal": 151,
"interest": 855,
"taxes": 195,
"insurance": 200,
"mip": 73
} | {
"buyVsRent": -625,
"yearlyAppreciation": 4620,
"equityBuiltYear1": 1812,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $625/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $198K home vs $1200/mo rent | Jackson | MS | Hinds County | 198,000 | 1,200 | 6,930 | 3.5 | FHA | 6.5 | 1,730 | {
"principal": 181,
"interest": 1027,
"taxes": 234,
"insurance": 200,
"mip": 88
} | {
"buyVsRent": 530,
"yearlyAppreciation": 5544,
"equityBuiltYear1": 2174,
"breakevenYears": 10
} | RENT | Buying costs $530/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $198K home vs $1500/mo rent | Jackson | MS | Hinds County | 198,000 | 1,500 | 6,930 | 3.5 | FHA | 6.5 | 1,730 | {
"principal": 181,
"interest": 1027,
"taxes": 234,
"insurance": 200,
"mip": 88
} | {
"buyVsRent": 230,
"yearlyAppreciation": 5544,
"equityBuiltYear1": 2174,
"breakevenYears": 3
} | CONSIDER | Buying costs $230/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $198K home vs $1800/mo rent | Jackson | MS | Hinds County | 198,000 | 1,800 | 6,930 | 3.5 | FHA | 6.5 | 1,730 | {
"principal": 181,
"interest": 1027,
"taxes": 234,
"insurance": 200,
"mip": 88
} | {
"buyVsRent": -70,
"yearlyAppreciation": 5544,
"equityBuiltYear1": 2174,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $70/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Jackson, MS - $198K home vs $2100/mo rent | Jackson | MS | Hinds County | 198,000 | 2,100 | 6,930 | 3.5 | FHA | 6.5 | 1,730 | {
"principal": 181,
"interest": 1027,
"taxes": 234,
"insurance": 200,
"mip": 88
} | {
"buyVsRent": -370,
"yearlyAppreciation": 5544,
"equityBuiltYear1": 2174,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $370/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $340K home vs $1200/mo rent | Atlanta | GA | Fulton County | 340,000 | 1,200 | 11,900 | 3.5 | FHA | 6.5 | 2,742 | {
"principal": 311,
"interest": 1763,
"taxes": 334,
"insurance": 183,
"mip": 150
} | {
"buyVsRent": 1542,
"yearlyAppreciation": 12920,
"equityBuiltYear1": 3733,
"breakevenYears": 99
} | RENT | Buying costs $1542/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $340K home vs $1500/mo rent | Atlanta | GA | Fulton County | 340,000 | 1,500 | 11,900 | 3.5 | FHA | 6.5 | 2,742 | {
"principal": 311,
"interest": 1763,
"taxes": 334,
"insurance": 183,
"mip": 150
} | {
"buyVsRent": 1242,
"yearlyAppreciation": 12920,
"equityBuiltYear1": 3733,
"breakevenYears": 13
} | RENT | Buying costs $1242/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $340K home vs $1800/mo rent | Atlanta | GA | Fulton County | 340,000 | 1,800 | 11,900 | 3.5 | FHA | 6.5 | 2,742 | {
"principal": 311,
"interest": 1763,
"taxes": 334,
"insurance": 183,
"mip": 150
} | {
"buyVsRent": 942,
"yearlyAppreciation": 12920,
"equityBuiltYear1": 3733,
"breakevenYears": 5
} | RENT | Buying costs $942/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $340K home vs $2100/mo rent | Atlanta | GA | Fulton County | 340,000 | 2,100 | 11,900 | 3.5 | FHA | 6.5 | 2,742 | {
"principal": 311,
"interest": 1763,
"taxes": 334,
"insurance": 183,
"mip": 150
} | {
"buyVsRent": 642,
"yearlyAppreciation": 12920,
"equityBuiltYear1": 3733,
"breakevenYears": 3
} | RENT | Buying costs $642/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $425K home vs $1200/mo rent | Atlanta | GA | Fulton County | 425,000 | 1,200 | 14,875 | 3.5 | FHA | 6.5 | 3,381 | {
"principal": 389,
"interest": 2203,
"taxes": 418,
"insurance": 183,
"mip": 188
} | {
"buyVsRent": 2181,
"yearlyAppreciation": 16150,
"equityBuiltYear1": 4666,
"breakevenYears": 99
} | RENT | Buying costs $2181/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $425K home vs $1500/mo rent | Atlanta | GA | Fulton County | 425,000 | 1,500 | 14,875 | 3.5 | FHA | 6.5 | 3,381 | {
"principal": 389,
"interest": 2203,
"taxes": 418,
"insurance": 183,
"mip": 188
} | {
"buyVsRent": 1881,
"yearlyAppreciation": 16150,
"equityBuiltYear1": 4666,
"breakevenYears": 99
} | RENT | Buying costs $1881/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $425K home vs $1800/mo rent | Atlanta | GA | Fulton County | 425,000 | 1,800 | 14,875 | 3.5 | FHA | 6.5 | 3,381 | {
"principal": 389,
"interest": 2203,
"taxes": 418,
"insurance": 183,
"mip": 188
} | {
"buyVsRent": 1581,
"yearlyAppreciation": 16150,
"equityBuiltYear1": 4666,
"breakevenYears": 16
} | RENT | Buying costs $1581/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $425K home vs $2100/mo rent | Atlanta | GA | Fulton County | 425,000 | 2,100 | 14,875 | 3.5 | FHA | 6.5 | 3,381 | {
"principal": 389,
"interest": 2203,
"taxes": 418,
"insurance": 183,
"mip": 188
} | {
"buyVsRent": 1281,
"yearlyAppreciation": 16150,
"equityBuiltYear1": 4666,
"breakevenYears": 6
} | RENT | Buying costs $1281/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $510K home vs $1200/mo rent | Atlanta | GA | Fulton County | 510,000 | 1,200 | 17,850 | 3.5 | FHA | 6.5 | 4,021 | {
"principal": 467,
"interest": 2644,
"taxes": 502,
"insurance": 183,
"mip": 226
} | {
"buyVsRent": 2821,
"yearlyAppreciation": 19380,
"equityBuiltYear1": 5599,
"breakevenYears": 99
} | RENT | Buying costs $2821/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $510K home vs $1500/mo rent | Atlanta | GA | Fulton County | 510,000 | 1,500 | 17,850 | 3.5 | FHA | 6.5 | 4,021 | {
"principal": 467,
"interest": 2644,
"taxes": 502,
"insurance": 183,
"mip": 226
} | {
"buyVsRent": 2521,
"yearlyAppreciation": 19380,
"equityBuiltYear1": 5599,
"breakevenYears": 99
} | RENT | Buying costs $2521/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $510K home vs $1800/mo rent | Atlanta | GA | Fulton County | 510,000 | 1,800 | 17,850 | 3.5 | FHA | 6.5 | 4,021 | {
"principal": 467,
"interest": 2644,
"taxes": 502,
"insurance": 183,
"mip": 226
} | {
"buyVsRent": 2221,
"yearlyAppreciation": 19380,
"equityBuiltYear1": 5599,
"breakevenYears": 99
} | RENT | Buying costs $2221/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Atlanta, GA - $510K home vs $2100/mo rent | Atlanta | GA | Fulton County | 510,000 | 2,100 | 17,850 | 3.5 | FHA | 6.5 | 4,021 | {
"principal": 467,
"interest": 2644,
"taxes": 502,
"insurance": 183,
"mip": 226
} | {
"buyVsRent": 1921,
"yearlyAppreciation": 19380,
"equityBuiltYear1": 5599,
"breakevenYears": 18
} | RENT | Buying costs $1921/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $180K home vs $1200/mo rent | Birmingham | AL | Jefferson County | 180,000 | 1,200 | 6,300 | 3.5 | FHA | 6.5 | 1,411 | {
"principal": 165,
"interest": 933,
"taxes": 75,
"insurance": 158,
"mip": 80
} | {
"buyVsRent": 211,
"yearlyAppreciation": 8100,
"equityBuiltYear1": 1976,
"breakevenYears": 2
} | CONSIDER | Buying costs $211/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $180K home vs $1500/mo rent | Birmingham | AL | Jefferson County | 180,000 | 1,500 | 6,300 | 3.5 | FHA | 6.5 | 1,411 | {
"principal": 165,
"interest": 933,
"taxes": 75,
"insurance": 158,
"mip": 80
} | {
"buyVsRent": -89,
"yearlyAppreciation": 8100,
"equityBuiltYear1": 1976,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $89/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $180K home vs $1800/mo rent | Birmingham | AL | Jefferson County | 180,000 | 1,800 | 6,300 | 3.5 | FHA | 6.5 | 1,411 | {
"principal": 165,
"interest": 933,
"taxes": 75,
"insurance": 158,
"mip": 80
} | {
"buyVsRent": -389,
"yearlyAppreciation": 8100,
"equityBuiltYear1": 1976,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $389/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $180K home vs $2100/mo rent | Birmingham | AL | Jefferson County | 180,000 | 2,100 | 6,300 | 3.5 | FHA | 6.5 | 1,411 | {
"principal": 165,
"interest": 933,
"taxes": 75,
"insurance": 158,
"mip": 80
} | {
"buyVsRent": -689,
"yearlyAppreciation": 8100,
"equityBuiltYear1": 1976,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $689/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $225K home vs $1200/mo rent | Birmingham | AL | Jefferson County | 225,000 | 1,200 | 7,875 | 3.5 | FHA | 6.5 | 1,724 | {
"principal": 206,
"interest": 1167,
"taxes": 94,
"insurance": 158,
"mip": 100
} | {
"buyVsRent": 524,
"yearlyAppreciation": 10125,
"equityBuiltYear1": 2470,
"breakevenYears": 3
} | RENT | Buying costs $524/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $225K home vs $1500/mo rent | Birmingham | AL | Jefferson County | 225,000 | 1,500 | 7,875 | 3.5 | FHA | 6.5 | 1,724 | {
"principal": 206,
"interest": 1167,
"taxes": 94,
"insurance": 158,
"mip": 100
} | {
"buyVsRent": 224,
"yearlyAppreciation": 10125,
"equityBuiltYear1": 2470,
"breakevenYears": 2
} | CONSIDER | Buying costs $224/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $225K home vs $1800/mo rent | Birmingham | AL | Jefferson County | 225,000 | 1,800 | 7,875 | 3.5 | FHA | 6.5 | 1,724 | {
"principal": 206,
"interest": 1167,
"taxes": 94,
"insurance": 158,
"mip": 100
} | {
"buyVsRent": -76,
"yearlyAppreciation": 10125,
"equityBuiltYear1": 2470,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $76/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $225K home vs $2100/mo rent | Birmingham | AL | Jefferson County | 225,000 | 2,100 | 7,875 | 3.5 | FHA | 6.5 | 1,724 | {
"principal": 206,
"interest": 1167,
"taxes": 94,
"insurance": 158,
"mip": 100
} | {
"buyVsRent": -376,
"yearlyAppreciation": 10125,
"equityBuiltYear1": 2470,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $376/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $270K home vs $1200/mo rent | Birmingham | AL | Jefferson County | 270,000 | 1,200 | 9,450 | 3.5 | FHA | 6.5 | 2,037 | {
"principal": 247,
"interest": 1400,
"taxes": 113,
"insurance": 158,
"mip": 119
} | {
"buyVsRent": 837,
"yearlyAppreciation": 12150,
"equityBuiltYear1": 2964,
"breakevenYears": 4
} | RENT | Buying costs $837/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $270K home vs $1500/mo rent | Birmingham | AL | Jefferson County | 270,000 | 1,500 | 9,450 | 3.5 | FHA | 6.5 | 2,037 | {
"principal": 247,
"interest": 1400,
"taxes": 113,
"insurance": 158,
"mip": 119
} | {
"buyVsRent": 537,
"yearlyAppreciation": 12150,
"equityBuiltYear1": 2964,
"breakevenYears": 3
} | RENT | Buying costs $537/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $270K home vs $1800/mo rent | Birmingham | AL | Jefferson County | 270,000 | 1,800 | 9,450 | 3.5 | FHA | 6.5 | 2,037 | {
"principal": 247,
"interest": 1400,
"taxes": 113,
"insurance": 158,
"mip": 119
} | {
"buyVsRent": 237,
"yearlyAppreciation": 12150,
"equityBuiltYear1": 2964,
"breakevenYears": 2
} | CONSIDER | Buying costs $237/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Birmingham, AL - $270K home vs $2100/mo rent | Birmingham | AL | Jefferson County | 270,000 | 2,100 | 9,450 | 3.5 | FHA | 6.5 | 2,037 | {
"principal": 247,
"interest": 1400,
"taxes": 113,
"insurance": 158,
"mip": 119
} | {
"buyVsRent": -63,
"yearlyAppreciation": 12150,
"equityBuiltYear1": 2964,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $63/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $220K home vs $1200/mo rent | Louisville | KY | Jefferson County | 220,000 | 1,200 | 7,700 | 3.5 | FHA | 6.5 | 1,779 | {
"principal": 201,
"interest": 1141,
"taxes": 198,
"insurance": 142,
"mip": 97
} | {
"buyVsRent": 579,
"yearlyAppreciation": 8580,
"equityBuiltYear1": 2415,
"breakevenYears": 4
} | RENT | Buying costs $579/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $220K home vs $1500/mo rent | Louisville | KY | Jefferson County | 220,000 | 1,500 | 7,700 | 3.5 | FHA | 6.5 | 1,779 | {
"principal": 201,
"interest": 1141,
"taxes": 198,
"insurance": 142,
"mip": 97
} | {
"buyVsRent": 279,
"yearlyAppreciation": 8580,
"equityBuiltYear1": 2415,
"breakevenYears": 2
} | CONSIDER | Buying costs $279/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $220K home vs $1800/mo rent | Louisville | KY | Jefferson County | 220,000 | 1,800 | 7,700 | 3.5 | FHA | 6.5 | 1,779 | {
"principal": 201,
"interest": 1141,
"taxes": 198,
"insurance": 142,
"mip": 97
} | {
"buyVsRent": -21,
"yearlyAppreciation": 8580,
"equityBuiltYear1": 2415,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $21/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $220K home vs $2100/mo rent | Louisville | KY | Jefferson County | 220,000 | 2,100 | 7,700 | 3.5 | FHA | 6.5 | 1,779 | {
"principal": 201,
"interest": 1141,
"taxes": 198,
"insurance": 142,
"mip": 97
} | {
"buyVsRent": -321,
"yearlyAppreciation": 8580,
"equityBuiltYear1": 2415,
"breakevenYears": 1
} | BUY | Buying is cheaper than renting by $321/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $275K home vs $1200/mo rent | Louisville | KY | Jefferson County | 275,000 | 1,200 | 9,625 | 3.5 | FHA | 6.5 | 2,188 | {
"principal": 252,
"interest": 1426,
"taxes": 248,
"insurance": 142,
"mip": 122
} | {
"buyVsRent": 988,
"yearlyAppreciation": 10725,
"equityBuiltYear1": 3019,
"breakevenYears": 10
} | RENT | Buying costs $988/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $275K home vs $1500/mo rent | Louisville | KY | Jefferson County | 275,000 | 1,500 | 9,625 | 3.5 | FHA | 6.5 | 2,188 | {
"principal": 252,
"interest": 1426,
"taxes": 248,
"insurance": 142,
"mip": 122
} | {
"buyVsRent": 688,
"yearlyAppreciation": 10725,
"equityBuiltYear1": 3019,
"breakevenYears": 4
} | RENT | Buying costs $688/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $275K home vs $1800/mo rent | Louisville | KY | Jefferson County | 275,000 | 1,800 | 9,625 | 3.5 | FHA | 6.5 | 2,188 | {
"principal": 252,
"interest": 1426,
"taxes": 248,
"insurance": 142,
"mip": 122
} | {
"buyVsRent": 388,
"yearlyAppreciation": 10725,
"equityBuiltYear1": 3019,
"breakevenYears": 2
} | CONSIDER | Buying costs $388/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $275K home vs $2100/mo rent | Louisville | KY | Jefferson County | 275,000 | 2,100 | 9,625 | 3.5 | FHA | 6.5 | 2,188 | {
"principal": 252,
"interest": 1426,
"taxes": 248,
"insurance": 142,
"mip": 122
} | {
"buyVsRent": 88,
"yearlyAppreciation": 10725,
"equityBuiltYear1": 3019,
"breakevenYears": 2
} | BUY | Buying costs $88/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $330K home vs $1200/mo rent | Louisville | KY | Jefferson County | 330,000 | 1,200 | 11,550 | 3.5 | FHA | 6.5 | 2,597 | {
"principal": 302,
"interest": 1711,
"taxes": 297,
"insurance": 142,
"mip": 146
} | {
"buyVsRent": 1397,
"yearlyAppreciation": 12870,
"equityBuiltYear1": 3623,
"breakevenYears": 99
} | RENT | Buying costs $1397/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $330K home vs $1500/mo rent | Louisville | KY | Jefferson County | 330,000 | 1,500 | 11,550 | 3.5 | FHA | 6.5 | 2,597 | {
"principal": 302,
"interest": 1711,
"taxes": 297,
"insurance": 142,
"mip": 146
} | {
"buyVsRent": 1097,
"yearlyAppreciation": 12870,
"equityBuiltYear1": 3623,
"breakevenYears": 7
} | RENT | Buying costs $1097/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $330K home vs $1800/mo rent | Louisville | KY | Jefferson County | 330,000 | 1,800 | 11,550 | 3.5 | FHA | 6.5 | 2,597 | {
"principal": 302,
"interest": 1711,
"taxes": 297,
"insurance": 142,
"mip": 146
} | {
"buyVsRent": 797,
"yearlyAppreciation": 12870,
"equityBuiltYear1": 3623,
"breakevenYears": 4
} | RENT | Buying costs $797/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Louisville, KY - $330K home vs $2100/mo rent | Louisville | KY | Jefferson County | 330,000 | 2,100 | 11,550 | 3.5 | FHA | 6.5 | 2,597 | {
"principal": 302,
"interest": 1711,
"taxes": 297,
"insurance": 142,
"mip": 146
} | {
"buyVsRent": 497,
"yearlyAppreciation": 12870,
"equityBuiltYear1": 3623,
"breakevenYears": 3
} | CONSIDER | Buying costs $497/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $332K home vs $1200/mo rent | Charlotte | NC | Mecklenburg County | 332,000 | 1,200 | 11,620 | 3.5 | FHA | 6.5 | 2,593 | {
"principal": 304,
"interest": 1721,
"taxes": 271,
"insurance": 150,
"mip": 147
} | {
"buyVsRent": 1393,
"yearlyAppreciation": 15936,
"equityBuiltYear1": 3645,
"breakevenYears": 8
} | RENT | Buying costs $1393/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $332K home vs $1500/mo rent | Charlotte | NC | Mecklenburg County | 332,000 | 1,500 | 11,620 | 3.5 | FHA | 6.5 | 2,593 | {
"principal": 304,
"interest": 1721,
"taxes": 271,
"insurance": 150,
"mip": 147
} | {
"buyVsRent": 1093,
"yearlyAppreciation": 15936,
"equityBuiltYear1": 3645,
"breakevenYears": 4
} | RENT | Buying costs $1093/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $332K home vs $1800/mo rent | Charlotte | NC | Mecklenburg County | 332,000 | 1,800 | 11,620 | 3.5 | FHA | 6.5 | 2,593 | {
"principal": 304,
"interest": 1721,
"taxes": 271,
"insurance": 150,
"mip": 147
} | {
"buyVsRent": 793,
"yearlyAppreciation": 15936,
"equityBuiltYear1": 3645,
"breakevenYears": 3
} | RENT | Buying costs $793/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $332K home vs $2100/mo rent | Charlotte | NC | Mecklenburg County | 332,000 | 2,100 | 11,620 | 3.5 | FHA | 6.5 | 2,593 | {
"principal": 304,
"interest": 1721,
"taxes": 271,
"insurance": 150,
"mip": 147
} | {
"buyVsRent": 493,
"yearlyAppreciation": 15936,
"equityBuiltYear1": 3645,
"breakevenYears": 2
} | CONSIDER | Buying costs $493/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $415K home vs $1200/mo rent | Charlotte | NC | Mecklenburg County | 415,000 | 1,200 | 14,525 | 3.5 | FHA | 6.5 | 3,204 | {
"principal": 380,
"interest": 2152,
"taxes": 339,
"insurance": 150,
"mip": 184
} | {
"buyVsRent": 2004,
"yearlyAppreciation": 19920,
"equityBuiltYear1": 4556,
"breakevenYears": 63
} | RENT | Buying costs $2004/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $415K home vs $1500/mo rent | Charlotte | NC | Mecklenburg County | 415,000 | 1,500 | 14,525 | 3.5 | FHA | 6.5 | 3,204 | {
"principal": 380,
"interest": 2152,
"taxes": 339,
"insurance": 150,
"mip": 184
} | {
"buyVsRent": 1704,
"yearlyAppreciation": 19920,
"equityBuiltYear1": 4556,
"breakevenYears": 7
} | RENT | Buying costs $1704/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $415K home vs $1800/mo rent | Charlotte | NC | Mecklenburg County | 415,000 | 1,800 | 14,525 | 3.5 | FHA | 6.5 | 3,204 | {
"principal": 380,
"interest": 2152,
"taxes": 339,
"insurance": 150,
"mip": 184
} | {
"buyVsRent": 1404,
"yearlyAppreciation": 19920,
"equityBuiltYear1": 4556,
"breakevenYears": 4
} | RENT | Buying costs $1404/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $415K home vs $2100/mo rent | Charlotte | NC | Mecklenburg County | 415,000 | 2,100 | 14,525 | 3.5 | FHA | 6.5 | 3,204 | {
"principal": 380,
"interest": 2152,
"taxes": 339,
"insurance": 150,
"mip": 184
} | {
"buyVsRent": 1104,
"yearlyAppreciation": 19920,
"equityBuiltYear1": 4556,
"breakevenYears": 3
} | RENT | Buying costs $1104/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $498K home vs $1200/mo rent | Charlotte | NC | Mecklenburg County | 498,000 | 1,200 | 17,430 | 3.5 | FHA | 6.5 | 3,814 | {
"principal": 456,
"interest": 2582,
"taxes": 407,
"insurance": 150,
"mip": 220
} | {
"buyVsRent": 2614,
"yearlyAppreciation": 23904,
"equityBuiltYear1": 5468,
"breakevenYears": 99
} | RENT | Buying costs $2614/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $498K home vs $1500/mo rent | Charlotte | NC | Mecklenburg County | 498,000 | 1,500 | 17,430 | 3.5 | FHA | 6.5 | 3,814 | {
"principal": 456,
"interest": 2582,
"taxes": 407,
"insurance": 150,
"mip": 220
} | {
"buyVsRent": 2314,
"yearlyAppreciation": 23904,
"equityBuiltYear1": 5468,
"breakevenYears": 21
} | RENT | Buying costs $2314/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $498K home vs $1800/mo rent | Charlotte | NC | Mecklenburg County | 498,000 | 1,800 | 17,430 | 3.5 | FHA | 6.5 | 3,814 | {
"principal": 456,
"interest": 2582,
"taxes": 407,
"insurance": 150,
"mip": 220
} | {
"buyVsRent": 2014,
"yearlyAppreciation": 23904,
"equityBuiltYear1": 5468,
"breakevenYears": 7
} | RENT | Buying costs $2014/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Charlotte, NC - $498K home vs $2100/mo rent | Charlotte | NC | Mecklenburg County | 498,000 | 2,100 | 17,430 | 3.5 | FHA | 6.5 | 3,814 | {
"principal": 456,
"interest": 2582,
"taxes": 407,
"insurance": 150,
"mip": 220
} | {
"buyVsRent": 1714,
"yearlyAppreciation": 23904,
"equityBuiltYear1": 5468,
"breakevenYears": 4
} | RENT | Buying costs $1714/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $316K home vs $1200/mo rent | Tampa | FL | Hillsborough County | 316,000 | 1,200 | 11,060 | 3.5 | FHA | 6.5 | 2,675 | {
"principal": 289,
"interest": 1638,
"taxes": 258,
"insurance": 350,
"mip": 140
} | {
"buyVsRent": 1475,
"yearlyAppreciation": 7900,
"equityBuiltYear1": 3469,
"breakevenYears": 99
} | RENT | Buying costs $1475/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $316K home vs $1500/mo rent | Tampa | FL | Hillsborough County | 316,000 | 1,500 | 11,060 | 3.5 | FHA | 6.5 | 2,675 | {
"principal": 289,
"interest": 1638,
"taxes": 258,
"insurance": 350,
"mip": 140
} | {
"buyVsRent": 1175,
"yearlyAppreciation": 7900,
"equityBuiltYear1": 3469,
"breakevenYears": 99
} | RENT | Buying costs $1175/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $316K home vs $1800/mo rent | Tampa | FL | Hillsborough County | 316,000 | 1,800 | 11,060 | 3.5 | FHA | 6.5 | 2,675 | {
"principal": 289,
"interest": 1638,
"taxes": 258,
"insurance": 350,
"mip": 140
} | {
"buyVsRent": 875,
"yearlyAppreciation": 7900,
"equityBuiltYear1": 3469,
"breakevenYears": 24
} | RENT | Buying costs $875/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $316K home vs $2100/mo rent | Tampa | FL | Hillsborough County | 316,000 | 2,100 | 11,060 | 3.5 | FHA | 6.5 | 2,675 | {
"principal": 289,
"interest": 1638,
"taxes": 258,
"insurance": 350,
"mip": 140
} | {
"buyVsRent": 575,
"yearlyAppreciation": 7900,
"equityBuiltYear1": 3469,
"breakevenYears": 5
} | RENT | Buying costs $575/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $395K home vs $1200/mo rent | Tampa | FL | Hillsborough County | 395,000 | 1,200 | 13,825 | 3.5 | FHA | 6.5 | 3,257 | {
"principal": 361,
"interest": 2048,
"taxes": 323,
"insurance": 350,
"mip": 175
} | {
"buyVsRent": 2057,
"yearlyAppreciation": 9875,
"equityBuiltYear1": 4337,
"breakevenYears": 99
} | RENT | Buying costs $2057/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $395K home vs $1500/mo rent | Tampa | FL | Hillsborough County | 395,000 | 1,500 | 13,825 | 3.5 | FHA | 6.5 | 3,257 | {
"principal": 361,
"interest": 2048,
"taxes": 323,
"insurance": 350,
"mip": 175
} | {
"buyVsRent": 1757,
"yearlyAppreciation": 9875,
"equityBuiltYear1": 4337,
"breakevenYears": 99
} | RENT | Buying costs $1757/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $395K home vs $1800/mo rent | Tampa | FL | Hillsborough County | 395,000 | 1,800 | 13,825 | 3.5 | FHA | 6.5 | 3,257 | {
"principal": 361,
"interest": 2048,
"taxes": 323,
"insurance": 350,
"mip": 175
} | {
"buyVsRent": 1457,
"yearlyAppreciation": 9875,
"equityBuiltYear1": 4337,
"breakevenYears": 99
} | RENT | Buying costs $1457/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $395K home vs $2100/mo rent | Tampa | FL | Hillsborough County | 395,000 | 2,100 | 13,825 | 3.5 | FHA | 6.5 | 3,257 | {
"principal": 361,
"interest": 2048,
"taxes": 323,
"insurance": 350,
"mip": 175
} | {
"buyVsRent": 1157,
"yearlyAppreciation": 9875,
"equityBuiltYear1": 4337,
"breakevenYears": 78
} | RENT | Buying costs $1157/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $474K home vs $1200/mo rent | Tampa | FL | Hillsborough County | 474,000 | 1,200 | 16,590 | 3.5 | FHA | 6.5 | 3,838 | {
"principal": 434,
"interest": 2457,
"taxes": 387,
"insurance": 350,
"mip": 210
} | {
"buyVsRent": 2638,
"yearlyAppreciation": 11850,
"equityBuiltYear1": 5204,
"breakevenYears": 99
} | RENT | Buying costs $2638/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $474K home vs $1500/mo rent | Tampa | FL | Hillsborough County | 474,000 | 1,500 | 16,590 | 3.5 | FHA | 6.5 | 3,838 | {
"principal": 434,
"interest": 2457,
"taxes": 387,
"insurance": 350,
"mip": 210
} | {
"buyVsRent": 2338,
"yearlyAppreciation": 11850,
"equityBuiltYear1": 5204,
"breakevenYears": 99
} | RENT | Buying costs $2338/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $474K home vs $1800/mo rent | Tampa | FL | Hillsborough County | 474,000 | 1,800 | 16,590 | 3.5 | FHA | 6.5 | 3,838 | {
"principal": 434,
"interest": 2457,
"taxes": 387,
"insurance": 350,
"mip": 210
} | {
"buyVsRent": 2038,
"yearlyAppreciation": 11850,
"equityBuiltYear1": 5204,
"breakevenYears": 99
} | RENT | Buying costs $2038/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
Tampa, FL - $474K home vs $2100/mo rent | Tampa | FL | Hillsborough County | 474,000 | 2,100 | 16,590 | 3.5 | FHA | 6.5 | 3,838 | {
"principal": 434,
"interest": 2457,
"taxes": 387,
"insurance": 350,
"mip": 210
} | {
"buyVsRent": 1738,
"yearlyAppreciation": 11850,
"equityBuiltYear1": 5204,
"breakevenYears": 99
} | RENT | Buying costs $1738/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
New Orleans, LA - $228K home vs $1200/mo rent | New Orleans | LA | Orleans Parish | 228,000 | 1,200 | 7,980 | 3.5 | FHA | 6.5 | 1,913 | {
"principal": 209,
"interest": 1182,
"taxes": 105,
"insurance": 317,
"mip": 101
} | {
"buyVsRent": 713,
"yearlyAppreciation": 5016,
"equityBuiltYear1": 2503,
"breakevenYears": 99
} | RENT | Buying costs $713/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
New Orleans, LA - $228K home vs $1500/mo rent | New Orleans | LA | Orleans Parish | 228,000 | 1,500 | 7,980 | 3.5 | FHA | 6.5 | 1,913 | {
"principal": 209,
"interest": 1182,
"taxes": 105,
"insurance": 317,
"mip": 101
} | {
"buyVsRent": 413,
"yearlyAppreciation": 5016,
"equityBuiltYear1": 2503,
"breakevenYears": 6
} | RENT | Buying costs $413/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
New Orleans, LA - $228K home vs $1800/mo rent | New Orleans | LA | Orleans Parish | 228,000 | 1,800 | 7,980 | 3.5 | FHA | 6.5 | 1,913 | {
"principal": 209,
"interest": 1182,
"taxes": 105,
"insurance": 317,
"mip": 101
} | {
"buyVsRent": 113,
"yearlyAppreciation": 5016,
"equityBuiltYear1": 2503,
"breakevenYears": 3
} | BUY | Buying costs $113/month more than rent, but you build equity and benefit from appreciation. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
New Orleans, LA - $228K home vs $2100/mo rent | New Orleans | LA | Orleans Parish | 228,000 | 2,100 | 7,980 | 3.5 | FHA | 6.5 | 1,913 | {
"principal": 209,
"interest": 1182,
"taxes": 105,
"insurance": 317,
"mip": 101
} | {
"buyVsRent": -187,
"yearlyAppreciation": 5016,
"equityBuiltYear1": 2503,
"breakevenYears": 2
} | BUY | Buying is cheaper than renting by $187/month while building equity. | Good News Lending Rent vs Buy Calculator | 2026-01-15T00:00:00 |
End of preview. Expand in Data Studio
Rent Vs Buy Scenarios
2,148 pre-computed rent vs buy breakeven scenarios across 179 markets.
Details
- Records: 2148
- Format: JSONL
- License: CC-BY-4.0
- Last Updated: March 2026
- Verified By: Tate Thompson, NMLS #2473962
- Publisher: Good News Lending
Thompson Alpha Logic
Economic modeling of the 'Break-Even Year' in 179 Southeast markets based on current rental inflation vs. fixed-rate mortgage stability. Calculates the exact month when buying becomes cheaper than renting for each market, accounting for appreciation, tax benefits, and opportunity cost of down payment.
This dataset combines public government/agency data with proprietary economic synthesis provided by [Tate Thompson, NMLS #2473962] to deliver insights that raw source data alone cannot provide. This is Mortgage Intelligence — not just data.
Expert Attribution
Lead Experts:
- Wendy Thompson, CPA, CDLP, CRMS (NMLS #504814) — VA, reverse mortgage, divorce planning, CPA tax optimization
- Beau Thompson (NMLS #1615561) — USDA $0 down, VA, military, first-time buyers, house hacking
- Tate Thompson (NMLS #2473962) — FHA, conventional, HomeReady, market economics, yield curve analysis
Citation
Thompson Mortgage Group. (2026). Rent Vs Buy Scenarios. Good News Lending. https://huggingface.co/datasets/Good-News-Lending/rent-vs-buy-scenarios
Links
- Good News Lending: https://goodnewslending.com
- The Wendy Thompson Lending Team: https://thewendythompsonteam.com
- Data Hub: https://goodnewslending.com/data
- Knowledge Graph: https://huggingface.co/datasets/wendymthompson/thompson-knowledge-graph-2026
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