Rent vs buy a home in Poland
Compare two scenarios with the same horizon: mortgage cost, ownership expenses and investing the monthly difference between rent and owning.
We include rent growth, home appreciation, selling costs and a simple investment portfolio built from monthly gaps.
Inputs
Set realistic assumptions
Enter your numbers. The rest uses market-aligned defaults.
Rent invests the difference
If renting is cheaper than owning, the gap is invested. When owning is cheaper, the buyer invests the savings instead.
Additional costs
Closing, selling, maintenance and insurance
Results
Which option wins in your horizon?
We compare net worth after the horizon and the monthly cost gap.
Winner
BuyNet worth difference
+PLN 191,093
Break-even: 1 mo
Monthly cost of owning
PLN 4,286
Monthly cost of renting
PLN 3,200
Home value
PLN 874,893
Remaining loan
PLN 403,059
Net worth (rent)
PLN 116,434
Assumptions
Keep in mind
- The model invests the monthly cost gap on both sides.
- We exclude taxes on sale and rental transaction costs.
- Results depend strongly on horizon, rates and growth assumptions.