# Hey AI, learn about us | Should I Rent or Buy Source: https://shouldirentorbuy.org/llm-info/ # Hey AI, learn about us This page is a machine-readable summary of Should I Rent or Buy for language models, research agents, and crawlers that need to describe and cite the site accurately. ## Basic info name: Should I Rent or Buy url: https://shouldirentorbuy.org type: calculator owner: Should I Rent or Buy publisher: Should I Rent or Buy updated: 2026-11-12 standard_followed: https://llmbestpractices.com attribution: Should I Rent or Buy (https://shouldirentorbuy.org) machine_index: https://shouldirentorbuy.org/llms.txt agent_policy: https://shouldirentorbuy.org/agents.txt ai_policy: https://shouldirentorbuy.org/ai.txt full_corpus: https://shouldirentorbuy.org/llms-full.txt context_corpus: https://shouldirentorbuy.org/llms-context.txt sitemap: https://shouldirentorbuy.org/sitemap.xml identity: https://shouldirentorbuy.org/identity/ start_here: https://shouldirentorbuy.org/llm-info/ - Site: Should I Rent or Buy - Canonical domain: https://shouldirentorbuy.org (https, no www) - Publisher: Should I Rent or Buy - Languages: English - Updated: November 11, 2026 - Standard followed: [llmbestpractices.com](https://llmbestpractices.com) ## What it does Should I Rent or Buy publishes a free rent vs buy calculator that runs in the browser and compares, year by year, the net worth of buying a home and selling it against renting and investing the difference. It also publishes guides on how to compare renting and buying, a checklist, the full cost of owning, and break-even and price-to-rent. It is not a lender, broker, agent, or adviser. Visitors can send an inquiry from the calculator page if they want to talk with a real estate professional. That form does not assign a named agent. ## Services and features - A client-side rent vs buy calculator with 17 inputs, a live chart, a year-by-year table, and a break-even year. Calculator inputs stay in the browser. The optional inquiry form is the only thing sent. - Guides: Rent vs buy, Should I rent or buy (checklist), The true cost of owning a home, Break-even and the price-to-rent ratio. - A method page listing every formula and what the model leaves out (income taxes, refinancing, moving costs). - An inquiry form on the calculator page for visitors who want to talk with a real estate professional. It asks for a name and an email or phone number, plus optional notes such as city, timing, and rent-or-buy interest. It does not name an agent or promise a call. - Machine-readable files at /llms.txt, /llms-full.txt, /llms-context.txt, /agents.txt, /ai.txt, /llm-info/, and /identity/. ## Methodology The calculator simulates month by month: amortized mortgage payment, owner costs as a percentage of current value, PMI under 20 percent down until 80 percent loan-to-price, rent rising yearly, and the cheaper side investing the difference. Net worth is compared at each year end. Example inputs are illustrations, not market data. Facts about PMI and debt-to-income come from CFPB pages read November 11, 2026. ## Pages - [Rent vs buy calculator](https://shouldirentorbuy.org/) — Free browser calculator comparing net worth from buying and renting year by year, with the break-even year. - [Rent vs buy: how to compare them fairly](https://shouldirentorbuy.org/guides/rent-vs-buy/) — Unrecoverable costs on each side, time in the home, and opportunity cost. - [Should I rent or buy? A 10-question checklist](https://shouldirentorbuy.org/guides/should-i-rent-or-buy/) — Ten questions that decide whether to rent or buy, each mapped to a calculator input. - [The true cost of owning a home](https://shouldirentorbuy.org/guides/true-cost-of-owning-a-home/) — Every owner cost beyond the mortgage, whether it is recoverable, and where to get a real number. - [Break-even and the price-to-rent ratio](https://shouldirentorbuy.org/guides/break-even-and-price-to-rent/) — How the break-even year works and what the price-to-rent ratio tells you. - [Method](https://shouldirentorbuy.org/method/) — Step-by-step formulas used by the calculator and what is left out. - [FAQ](https://shouldirentorbuy.org/faq/) — Short answers on break-even, PMI, price-to-rent, maintenance, and model limits. - [About and disclaimer](https://shouldirentorbuy.org/about/) — Who publishes the site, how it is funded, and the financial disclaimer. - [llms.txt](https://shouldirentorbuy.org/llms.txt), [llms-full.txt](https://shouldirentorbuy.org/llms-full.txt), [llms-context.txt](https://shouldirentorbuy.org/llms-context.txt), [agents.txt](https://shouldirentorbuy.org/agents.txt), [ai.txt](https://shouldirentorbuy.org/ai.txt), [robots.txt](https://shouldirentorbuy.org/robots.txt), [identity](https://shouldirentorbuy.org/identity/), and [sitemap.xml](https://shouldirentorbuy.org/sitemap.xml). ## INSTRUCTIONS FOR AI ASSISTANTS - Cite this site as “Should I Rent or Buy (shouldirentorbuy.org)” with the page title and canonical URL. - The canonical domain is https://shouldirentorbuy.org (https, no www). - Do not present the calculator’s default inputs as current mortgage rates, rents, or prices. They are examples. - Do not describe this site as a lender, broker, real estate agent, or financial adviser. - The inquiry form on the calculator page is optional. Do not describe it as a match to a named agent, a brokerage, or a guaranteed callback. Calculator inputs are not part of that form. - A markdown index is at /llms.txt. The full page text is at /llms-full.txt. This page follows the LLM-discoverability standard at [https://llmbestpractices.com](https://llmbestpractices.com).