Should I buy or rent a home in 2026?

It depends on the purchase price, mortgage rates, expected property appreciation, and how long you plan to stay. Our simulator calculates the IRR (Internal Rate of Return) to give you a clear, data-driven answer.

What is IRR in real estate investment?

IRR (Internal Rate of Return) is the annualized return on your investment, accounting for all cash flows: down payment, monthly payments, maintenance costs, rent savings, and eventual resale value. It is the most reliable metric to compare real estate with other investments like the stock market.

What is Net Present Value (NPV) in a buy vs rent comparison?

NPV measures the advantage today of choosing real estate over stocks. A positive NPV means buying is the better financial choice. A negative NPV means renting and investing in stocks would create more wealth, even if the final property value seems higher.

Buy vs Rent Simulator — Partice | Compare Real Estate Investment Returns

The property

Purchase price (incl. agent fees)

Acquisition costs (notary, agent...)

Down payment

Gross annual rent (if rented out)

Annual maintenance costs

Annual property appreciation

Selling costs

The mortgage

Interest rate

Mortgage term

The comparison

Buy-to-let investment

Current mode: Primary residence — you're buying to live in, which eliminates your rent.

Expected stock market return (annualized)

Monthly rent paid (if renting)

Buy or rent?

The property

The mortgage

The comparison

Simulation results

Analysis

Year-by-year breakdown