---
title: "Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year."
method: POST
path: "/v1/realestate/rent-vs-buy"
tags: ["Real estate"]
---

# Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year.

`POST /v1/realestate/rent-vs-buy`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/realestate/rent-vs-buy`
- Auth: none declared

Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year.

Payment: x402 ($0.25 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: simulate each year: rent (with increases) vs owning cash out − realizable equity (appreciated value − selling costs − loan balance)

## Request body

- object
  - `monthlyRent` number, required
  - `homePrice` number, required
  - `downPayment` number
  - `apr` number
  - `termMonths` number
  - `propertyTaxPct` number
  - `annualInsurance` number
  - `maintenancePct` number
  - `annualAppreciationPct` number
  - `annualRentIncreasePct` number
  - `sellingCostPct` number
  - `buyingClosingCostPct` number
  - `years` number

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)