New York, New York

📊 New York Market Analysis

Over a 30-year horizon, the rent-vs-buy question in New York 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 $750,000, a home appreciating at 3% annually would be worth approximately $1,820,447 after 30 years. That growth, combined with monthly rents of $3,500, makes buying a strong wealth-building vehicle in this market. Use the calculator to model your exact numbers.