Miami, Florida
Buy vs. Rent Calculator
📊 Miami Market Analysis
Over a 30-year horizon, the rent-vs-buy question in Miami comes down to one number: the break-even year. Our financial model — which tracks mortgage amortization, home appreciation at 3%, rent inflation, investment opportunity costs, and capital gains tax — places the break-even point at approximately 7–15 years. At today's average price of $550,000, a home appreciating at 3% annually would be worth approximately $1,334,994 after 30 years. That growth, combined with monthly rents of $2,800, makes buying a strong wealth-building vehicle in this market. Use the calculator to model your exact numbers.
Calculating your rent vs buy analysis for Miami...
Analyzing 30 years of financial projections with $550,000 home price and $2,800/month rent.