---
title: Rent vs Buy Calculator Texas | Is Buying Worth It | Aravian Financial
description: "Compare the true cost of renting vs buying a home in Texas. See equity built, home appreciation, and net costs. Free calculator. NMLS #566937."
---

<https://www.aravianfinancial.com/>

- Buy a Home 
    - [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)
    - [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote)
    - [Loan Programs](https://www.aravianfinancial.com/loan-programs)
    - [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers)
    - [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance)
- Refinance 
    - [Rate & Term Refi](https://www.aravianfinancial.com/refinance)
    - [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance)
    - [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance)
- [Loan Types](https://www.aravianfinancial.com/loan-programs) 
    - [Conventional](https://www.aravianfinancial.com/conventional)
    - [FHA](https://www.aravianfinancial.com/fha)
    - [VA Loans](https://www.aravianfinancial.com/va)
    - [USDA](https://www.aravianfinancial.com/usda)
    - [Specialty Loans](https://www.aravianfinancial.com/specialty-loans)
- [Calculators](https://www.aravianfinancial.com/calculators)
- [Blog](https://www.aravianfinancial.com/blog)
- About 
    - [About Kris](https://www.aravianfinancial.com/about)
    - [Meet the Team](https://www.aravianfinancial.com/team)
    - [Reviews](https://www.aravianfinancial.com/reviews)
    - [Careers](https://www.aravianfinancial.com/careers)
    - [Contact](https://www.aravianfinancial.com/contact)

[Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote)

Buy a Home ▾

[Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) [Loan Programs](https://www.aravianfinancial.com/loan-programs) [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance)

Refinance ▾

[Rate & Term Refi](https://www.aravianfinancial.com/refinance) [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance) [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance)

Loan Types ▾

[Conventional](https://www.aravianfinancial.com/conventional) [FHA](https://www.aravianfinancial.com/fha) [VA Loans](https://www.aravianfinancial.com/va) [USDA](https://www.aravianfinancial.com/usda) [Jumbo](https://www.aravianfinancial.com/jumbo) [Reverse Mortgage](https://www.aravianfinancial.com/reverse-mortgage) [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) 

[Calculators](https://www.aravianfinancial.com/calculators) [Blog](https://www.aravianfinancial.com/blog)

About ▾

[About Kris](https://www.aravianfinancial.com/about) [Meet the Team](https://www.aravianfinancial.com/team) [Reviews](https://www.aravianfinancial.com/reviews) [Careers](https://www.aravianfinancial.com/careers) [Contact](https://www.aravianfinancial.com/contact)

[Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote)

# Rent or Buy? See the Real Numbers.

Compare the true financial cost of renting versus buying over 5, 7, 10, or 15 years. Includes appreciation, equity, and total cost of ownership.

Free to use

No account required

Instant results

Texas mortgage specialist

## Rent vs Buy Calculator

Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Monthly Rent ($)

Annual Home Appreciation (%)

Years to Compare5 Years7 Years10 Years15 Years

Annual Rent Increase (%)

Property Tax Rate (%)

Compare Renting vs Buying

Total Rent Paid

Home Value at End

Equity Built

Net Cost of Buying

Net Cost of Renting

Simplified comparison. Does not include maintenance, closing costs, investment returns on down payment, or tax deductions. For illustration only.

### Ready to take the next step?

These numbers are estimates. Get real pricing from 20+ lenders with no credit pull.

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Kris Syevens, NMLS #566937 · Aravian Financial, NMLS #2691016 · Texas Licensed Broker

### Other Calculators

[Mortgage Payment](https://www.aravianfinancial.com/calculators/mortgage-payment)[Affordability](https://www.aravianfinancial.com/calculators/affordability)[Refinance Savings](https://www.aravianfinancial.com/calculators/refinance-savings)[Amortization](https://www.aravianfinancial.com/calculators/amortization)[DSCR](https://www.aravianfinancial.com/calculators/dscr)[Reverse Mortgage](https://www.aravianfinancial.com/calculators/reverse-mortgage)

## Numbers look good? Let us make them real.

Takes 2 minutes. No credit pull. No obligation.

[Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)[All Calculators](https://www.aravianfinancial.com/calculators)

<https://www.aravianfinancial.com/>

Independent mortgage broker serving Houston and all of Texas. NMLS #566937 | Aravian Financial NMLS #2691016.

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#### Buy

- [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)
- [Get a Quote](https://www.aravianfinancial.com/get-a-quote)
- [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers)
- [Down Payment Help](https://www.aravianfinancial.com/down-payment-assistance)
- [Calculators](https://www.aravianfinancial.com/calculators)

#### Loan Types

- [Conventional](https://www.aravianfinancial.com/conventional)
- [FHA](https://www.aravianfinancial.com/fha)
- [VA](https://www.aravianfinancial.com/va)
- [USDA](https://www.aravianfinancial.com/usda)
- [Specialty Loans](https://www.aravianfinancial.com/specialty-loans)

#### Company

- [About Kris](https://www.aravianfinancial.com/about)
- [Meet the Team](https://www.aravianfinancial.com/team)
- [Reviews](https://www.aravianfinancial.com/reviews)
- [Careers](https://www.aravianfinancial.com/careers)
- [Blog](https://www.aravianfinancial.com/blog)
- [Contact](https://www.aravianfinancial.com/contact)
- [Privacy Policy](https://www.aravianfinancial.com/privacy-policy)
- [NMLS Consumer Access](https://nmlsconsumeraccess.org)

Equal Housing Opportunity

© 2026 Aravian Financial. All rights reserved. Kris Syevens, NMLS #566937

[Privacy](https://www.aravianfinancial.com/privacy-policy)[Terms](https://www.aravianfinancial.com/terms)[NMLS Access](https://nmlsconsumeraccess.org)

Aravian Financial, NMLS #2691016  |  Kris Syevens, NMLS #566937  |  Licensed Mortgage Broker, State of Texas. This is not a commitment to lend. Rates, terms, and programs are subject to change without notice. All loans subject to credit approval. Equal Housing Opportunity.

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