Long-Term Wealth Comparison

Rent vs Buy.
The True Long-Term
Wealth Picture.

Monthly payment is only one part of this decision. This tool shows the full 5 and 10-year financial picture — including equity, appreciation, and total cost — so you can decide with clarity.

Why This Decision Matters

The Real Question Is Not
“Can I Afford It?”

The real question is: what does each choice cost me over time, and which one puts me in a stronger financial position when I eventually PCS or leave San Diego?

Renting: What You Get
  • Maximum flexibility — leave with notice
  • No maintenance responsibility
  • No down payment required
  • BAH covers rent, zero equity
  • Rent typically increases 3–5% annually
  • At end of lease: $0 asset value
Buying with VA: What You Get
  • Monthly payment builds equity
  • No down payment (VA loan)
  • No monthly PMI
  • Appreciation builds wealth passively
  • Can become a rental if you PCS
  • At year 5: real asset with real value
Interactive Comparison Tool

Run Your Rent vs Buy
Comparison

Enter your numbers to see the true 5 and 10-year cost and wealth position of each path.

Renting Inputs
Buying Inputs

▲ Enter your numbers above then tap to see the full comparison

🔎 Online listings vs working with an agent: Zillow and Redfin show you what is on the market. What they cannot do is check VA condo approval, verify HOA rental policies, negotiate seller concessions, or give you off-market access. In San Diego's competitive market, having the right agent is the difference between writing 8 offers and getting one accepted vs finding the right home on the first or second try.

When Each Makes Sense

Honest Framework.
No Agenda.

Buying is not always the right answer. Here is an honest framework for thinking through the decision based on your situation.

Buying Tends to Make More Sense When...
  • You expect to be in SD for 3+ years
  • You are comfortable with ownership responsibilities
  • The total monthly cost is within your budget
  • The property could function as a future rental
  • You want to start building equity and wealth
  • You are ready to be a homeowner
Renting May Be Smarter When...
  • You are uncertain about your tour length
  • You want to learn the area before committing
  • Your timeline is under 2 years
  • Your household needs are likely to change soon
  • You are not yet ready for ownership responsibilities
  • The purchase numbers do not make sense for your budget