// multi-utility computation suite · offline · instant · precise
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real.price-to-rent-ratio Calculator
Calculates the price-to-rent ratio for a local housing market and classifies it as 'buy-favourable', 'neutral', or 'rent-favourable' based on economist thresholds. A ratio below 15 typically favours buying; above 20 typically favours renting on pure financial grounds.
Inputs
Home Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Annual Rent
Reference formula or conversion factor shown for context.
Property Tax Pct
Percentage paid as tax. After-tax return = pre-tax return × (1 − tax rate). Enter as a percentage (e.g. 25 for 25%).
Insurance Annual
Reference formula or conversion factor shown for context.
Results
price-to-rent ratio
The computed or recommended price.
annual ownership cost (tax+ins)
The result expressed on a per-year basis.
rent advantage
Sample size or count used in the calculation.
rule of thumb
A widely used practical approximation or heuristic for this field — useful for quick estimates but not a substitute for rigorous calculation.
exclude mortgage
Reference formula or conversion factor shown for context.