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Rent to Ownership Comparison

Current Rent	Equivalent Before Tax House Payment^*	Sales Price
$700	$1,005	$105,800
$900	$1,290	$136,000
$1,100	$1,580	$166,000
$1,300	$1,865	$196,000
$1,500	$2,150	$226,000
$1,700	$2,440	$257,000
$1,900	$2,725	$287,000
$2,100	$3,010	$317,000
$2,300	$3,300	$347,000
$2,400	$3,440	$362,000

This chart takes your current rent payment and equates it to a before tax house payment and the corresponding sales price. For example, if your are paying $1,300 per month in rent, that is the equivalent of a before tax house payment of $1,865 per month, which would be sufficient to purchase a $196,000 home. In other words, the tax savings from mortgage interest and properly tax deductions that you would realize each year would reduce your monthly house payment of $1,865 to a net affter-tax payment of $1,300. Consquently, if you can afford a $1,300 per month rent payment, it's the same as a montly before-tax house payment of $1,865 on $196,000 home/

Cost of Waiting Analysis

	Current Value	DP+CC	Appreciation Loss
Today	$200,000	$48,000	$0
1 Year	$206,000	$49,440	$6,000
2 Years	$212,180	$50,923	$12,180
3 Years	$218,545	$52,450	$18,545
4 Years	$225,101	$54,024	$25,101

Today's Price = $200,000
Annual Appreciation = 3%
Down Payment (DP) = 20% of the Sales Price
Closing Costs (CC) = 4% of the Sales Price

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