Should you keep renting or buy now? This calculator uses real SoCal numbers — live mortgage rates from Freddie Mac, property tax, HOA, appreciation, and the opportunity cost of your down payment.
Adjust the sliders. The result panel updates live with both scenarios + break-even year.
Estimates only. Real outcomes depend on your specific financial situation, the home's actual price + repairs + selling costs, your tax bracket (mortgage interest deduction not modeled), and SoCal's localized market behavior. Mortgage interest tax deduction would reduce the buy cost further if you itemize. This calculator is a starting point — for a real personalized analysis, book a free 15-min Zoom.