10-Year Rent vs Buy in San Francisco, CA
If you plan to stay in San Francisco for 10 years, here's how renting and buying compare.
🔑 Renting Appears Better
Potential savings by renting: $217,992
Total Rent Paid
$467,726
Total Owner Costs
$1,464,375
Equity After Selling
$778,656
Customize Your Analysis
The above results use default assumptions. Adjust the inputs below to match your specific situation.
Rent vs Buy in San Francisco, California
Should you rent or buy a home? Calculate your best option.
Your Scenario
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10 years
1 years30 years
Explore Scenarios
Adjust these sliders to see how different assumptions affect your decision.
Mortgage Rate7.00%
5%7%9%
Home Appreciation3.0%
0%3%5%
Rent Growth3.0%
0%3%6%
Time Horizon10 years
35710
💡 Tips
- • Higher mortgage rates favor renting
- • Higher home appreciation favors buying
- • Higher rent growth favors buying
- • Longer time horizons typically favor buying
🔑Renting is Better
You could save $217,992 by renting
Over 10 years
Monthly Cost (Rent)
$3,898
Average
Monthly Cost (Own)
$9,616
Average (excl. equity)
Total Rent Paid
$467,726
Total Owner Costs
$1,464,375
Final Equity
$778,656
After selling costs
Break-Even Year
Never
Beyond horizon
Upfront Costs to Buy
Down Payment (20%)$270,000
Closing Costs (3%)$40,500
Total Needed$310,500
Cost Comparison Over Time
Total Rent Paid
Total Owner Costs
Net Cost (After Equity)
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