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Should you buy or rent in your target country? This calculator compares total costs over your planned stay — factoring in closing costs, property taxes, mortgage payments, appreciation, selling costs, and the opportunity cost of your capital. All country data pre-populated from our verified 2026 dataset.
Auto-populated for Portugal:
Closing costs: 7–12%
Property tax: 0.3–0.45%/yr
Mortgage: 60–75% LTV, 3.3–4.5%
Buying becomes cheaper than renting after year 7.
Total Cost of Renting
$137,924
7 years with 3%/yr increases
Total Cost of Buying
$126,920
Net of equity at sale
1st Year Cash — Buy
$142,818
Down + closing + mortgage + tax
1st Year Cash — Rent
$18,000
12 months rent
| Year | Cumulative Rent | Cumulative Buy | Property Value | Your Equity | Buy Advantage |
|---|---|---|---|---|---|
| 1 | $18,000 | $65,670 | $309,000 | $83,572 | $-47,670 |
| 2 | $36,540 | $75,842 | $318,270 | $97,083 | $-39,302 |
| 3 | $55,636 | $86,022 | $327,818 | $111,049 | $-30,386 |
| 4 | $75,305 | $96,214 | $337,653 | $125,485 | $-20,909 |
| 5 | $95,564 | $106,424 | $347,782 | $140,408 | $-10,860 |
| 6 | $116,431 | $116,658 | $358,216 | $155,833 | $-226 |
| 7 | $137,924 | $126,920 | $368,962 | $171,779 | +$11,004 |
Closing costs: 9.5%
Annual property tax: 0.38%
Annual maintenance: 1%
Selling costs: 9.0%
Rent increase: 3%/yr
Appreciation: 3%/yr
Mortgage LTV: 68%
Mortgage rate: 3.9%
Opportunity cost: 5%/yr
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The information on this page is for general informational purposes only and does not constitute legal, tax, financial, or real estate advice. Property laws, tax rules, and market conditions change frequently. Always consult qualified local professionals before making property decisions.