Result: Winner: Buy, Difference: +PLN 191,093, Break-even: 1 mo
Real estate
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.
Net worth difference
+PLN 191,093
Percent of the price paid upfront in cash.
Average annual interest rate for the loan.
How many years to repay the mortgage.
How many years we compare both scenarios.
Which option wins in your horizon?
Buying
Net worth
PLN 307,527
+PLN 191,093
- Monthly cost of owning
- PLN 4,286
- Home value
- PLN 874,893
- Remaining loan
- PLN 403,059
Renting
Net worth
PLN 116,434
- Monthly cost of renting
- PLN 3,200
Break-even
1 mo
Net worth over time
Net worth of the buyer and the renter at the end of each year.
- Buying
- Renting
Show data as a table
| Year | Buying | Renting |
|---|---|---|
| 1 | PLN 101,017 | PLN 12,966 |
| 2 | PLN 117,195 | PLN 25,762 |
| 3 | PLN 134,799 | PLN 38,347 |
| 4 | PLN 153,932 | PLN 50,680 |
| 5 | PLN 174,704 | PLN 62,711 |
| 6 | PLN 197,232 | PLN 74,392 |
| 7 | PLN 221,641 | PLN 85,666 |
| 8 | PLN 248,063 | PLN 96,474 |
| 9 | PLN 276,641 | PLN 106,753 |
| 10 | PLN 307,527 | PLN 116,434 |
The same scenario leads throughout the horizon.
Good to know
Rent invests the difference
If renting is cheaper than owning, the gap is invested. When owning is cheaper, the buyer invests the savings instead.
We include rent growth, home appreciation, selling costs and a simple investment portfolio built from monthly gaps.
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.