Free Tool
Rent vs Buy Calculator
Compare the true long-term cost of renting versus buying property in Kenya — factoring in mortgage rates, appreciation, yields and opportunity cost.
Compare over
3 years20 years
10 years
Buying
KES KES 1.60M
Renting
Market defaults applied: 5% property appreciation, 1% maintenance, 5% rent increase, 12% investment return.
🏠
Buying Wins
Buying leaves you KES 147K better off than renting over 10 years
Monthly Cost
MortgageKES 77K
RentKES 65K
After 10 Years
🏠 If you buy
Total mortgage payments + maintenance: KES 11.67M
Your property will be worth KES 13.03M
Net position: +KES 1.36M up — property worth more than you paid
🔑 If you rent
You will have paid KES 9.81M in rent
If you had invested your deposit and monthly savings at 12% annual return, your investments would be worth KES 5.95M
Net position: KES 3.86M spent
* Using default market assumptions: 5% property appreciation, 1% annual maintenance, 5% rent increase, 12% investment return. * Simplified model. Does not include stamp duty, legal fees, insurance or taxes. Consult a financial advisor before making property decisions.