Texas Buyer Tool
Texas Rent vs. Buy
A full lifetime comparison including appreciation, equity build, selling costs, and the opportunity cost of investing your down payment instead.
Your inputs
After 7 years, renting wins by
$25,469
Renting + investing the down payment costs less here
Net cost of buying
$200,753
Costs minus equity at sale
Net cost of renting
$175,283
Rent minus invested DP gain
Home value after sale
$430,456
Equity at sale (net)
$114,343
After ~7% selling costs
Rule of thumb in Texas: Buying typically pulls ahead at 5–7 years of ownership. The Texas $100k homestead exemption and absence of state income tax shift the math in buyers' favor versus most other states.
Assumes a 30-year fixed mortgage, 7% combined selling costs, and a 5% investment return on the down payment if renting. Tax benefits from mortgage interest deduction are not included - they reduce net buy cost further for itemizing buyers.
Your next step
Turn this into a plan
Step 1 · 30 seconds
See which programs you may qualify for
Four questions surface the federal, Texas state, county, and city programs that fit your situation. No credit pull, no email required.
Take the eligibility quizStep 2 · Free download
Get the 31-page Texas Buyer Playbook
Every stackable program, the concession caps by loan type, lender questions, and the closing-day checklist — in one PDF.
Download the playbookStep 3 · When you’re ready
Get introduced to a licensed local professional
Tell us your county and we’ll introduce you to a TREC-licensed real estate professional who works that market.
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