Free Calculator · Naples FL
Naples Buy vs Rent Break-Even Calculator
How long do you need to stay in a Naples home for buying to make more financial sense than renting? This calculator finds your exact break-even point — accounting for closing costs, appreciation, equity, and Naples-specific carrying costs.
Home & Loan Details
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Buying Costs
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Typically 2–3% of purchase price in Florida
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Commission + closing when you eventually sell (our 1% vs traditional 6%)
Market Assumptions
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Break-Even Analysis
Break-Even Point
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years of ownership
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Timeline (0–15 years)
03691215
Monthly Mortgage (P&I)—
Total Monthly (w/costs)—
Monthly Rent—
Monthly Premium to Buy—
Year-by-Year Comparison
| Year | Cumulative Cost (Buy) | Cumulative Cost (Rent) | Home Equity | Net Advantage |
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About the Author
Scott Cowan Broker / Owner — Realty of Naples FL Scott Cowan is the broker and owner of Realty of Naples FL — a licensed real estate brokerage with offices in Florida, New Jersey, and New York. With nearly 35 years of experience and over $100,000,000 in closed transactions, Scott brings a depth of market knowledge that few Naples agents can match.
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